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 Rochester, NY metro
- Family First Federal Credit UnionCompanion Savings AccountSavings · $25 min · 0.03%–5.00% by balance
Credit union · 5 branches
5.00%APY$500 a year on $10,000with conditionsRequirements
Product: Available to Debit Rewards Checking and Pinnacle account holders only. When paired with Debit Rewards Checking or Pinnacle Plu$ Checking and respective monthly checking requirements are met (12 debit card transactions, $250 direct deposit/deposit, and eStatements enrollment), balances up to $10,000 earn 5.00% APY. If monthly requirements are not met or on balances of $10,000.01 and above, the entire balance earns the current Regular Share APY (0.03%). Dividends are compounded daily and credited monthly.
Offer: Earns 5.00% APY on balances up to $10,000 when linked checking account monthly qualifications (12 debit transactions, $250 deposit/direct deposit, and eStatements) are met. Minimum $25 to earn dividend. No monthly fee.
Qualified rate · Compounded daily · No monthly fee · Effective Sep 17, 2026
Rate by balance
Rate by balance for Companion Savings Account Balance APY Up to $10,000Your amount 5.00% Over $10,000Also applies to entire balance if monthly checking qualifications are not met. 0.03% Rate checked
More details - 4.00%APY$400 a year on $10,000
Requirements
Product: Available in Ohio / eligible markets only. For new accounts. Product and feature availability may vary by location.
Offer: For new accounts. Available in eligible markets (Ohio only). Rate subject to change after account opening. Fees may reduce earnings.
No monthly fee · Effective Mar 30, 2026
Rate checked
More details - 3.15%APY$315 a year on $10,000
Requirements
Product: Must be opened online.
Offer: Maintenance fee waived with e-statement delivery. Preferred Rate.
$4 monthly fee · Effective Oct 7, 2026
Rate checked
More details - Wayne BankHigh Yield Money Market Deposit AccountHigh Yield Money Market Deposit Account · $2,500 min · 1.00%–3.00% by balance
Bank · 1 branch
3.00%APY$300 a year on $10,000with conditionsRequirements
Product: Available to consumers that maintain a Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking account that includes two out of the three following criteria: a debit card, direct deposit, and/or a $25,000 balance at the time the High Yield MMDA account is opened. Only one High Yield MMDA account per customer.
Offer: Daily Balance: None – $25,000.00. Available to consumers maintaining a qualifying checking account (Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking) meeting 2 of 3 criteria (debit card, direct deposit, $25,000 balance). Limit one account per customer. $10 fee if daily balance is less than $2,500.
Qualified rate · $10 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for High Yield Money Market Deposit Account Balance APY Up to $25,000Your amount 3.00% Over $25,000 1.00% Rate checked
More details - Five Star BankHigh Yield Money Market AccountHigh Yield Money Market Account · $10,000 min · 0.10%–3.25% by balance
Bank · 19 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 - Ukrainian Federal Credit UnionMoney MarketMoney Market · $500 min · 0.10%–3.30% by balance
Credit union · 2 branches
2.02%APY$202 a year on $10,000Requirements
Product: No monthly maintenance fee. Minimum balance and minimum balance to earn dividends is $500. Limit of 3 withdrawals per month before a fee is imposed, with a minimum of $100 per withdrawal.
Offer: Minimum daily balance and balance to earn dividends is $500. Up to 3 withdrawals per month before a fee is imposed; minimum $100 per withdrawal.
0.10% interest rate · No monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Money Market Balance APY $500 – $2,500 0.10% $2,500 – $25,000Your amount 2.02% $25,000 – $100,000 2.53% $100,000 – $250,000 3.04% $250,000 – $1,000,000 3.30% Rate checked
More details - Wayne BankPremium Money Market Deposit AccountPremium Money Market Deposit Account · $2,500 min
Bank · 1 branch
1.51%APY$151 a year on $10,000with conditionsRequirements
Product: Available to consumers that maintain a Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking account with monthly direct deposit at the time the Premium MMDA is opened.
Offer: Must maintain a Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking account with monthly direct deposit at opening. Accounts with a daily balance of less than $2,500 are subject to a $10 monthly service fee.
Qualified rate · $10 monthly fee · Effective Oct 6, 2026
Rate checked
More details - 1.51%APY$151 a year on $10,000
Requirements
Product: Membership subject to eligibility. Dividends are credited quarterly. Six pre-authorized, automatic, or telephone transfers allowed per month.
0.25% interest rate
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,499 0.25% $2,500 – $9,999 1.00% $10,000 – $24,999Your amount 1.51% $25,000 and up 2.02% Rate checked
More details - The Summit Federal Credit UnionMoney MarketMoney Market · $1,500 min · 1.10%–1.60% by balance
Credit union · 9 branches
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 - 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 - 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 - ESL Federal Credit UnionTiered SavingsSavings · $10,000 min · 1.00%–2.10% by balance
Credit union · 27 branches
1.00%APY$100 a year on $10,000Requirements
Product: $20.00 monthly balance fee applies if monthly average balance drops below $50,000; fee waived if monthly average balance is $50,000 or more. No monthly service fee. Dividends paid monthly.
Offer: Balance Tier $0 - $49,999.99; minimum balance to obtain APY is $1. $20.00 average balance fee applies if monthly average balance drops below $50,000.
1.00% interest rate · $20 monthly fee
Rate by balance
Rate by balance for Tiered Savings Balance APY Up to $50,000Your amount 1.00% $50,000 – $100,000 1.20% $100,000 – $250,000Monthly balance fee waived if monthly average balance is $50,000 or more. 1.45% $250,000 – $1,000,000Monthly balance fee waived if monthly average balance is $50,000 or more. 1.80% $1,000,000 and upMonthly balance fee waived if monthly average balance is $50,000 or more. 2.10% Rate checked
More details - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 4 branches
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 - Reliant Credit UnionDaily Money AccountDaily Money Account · $1,000 min · 0.50%–1.10% by balance
Credit union · 10 branches
0.75%APY$75 a year on $10,000Requirements
Product: Dividends are paid up to the date of withdrawal if closed prior to the end of the dividend period. Minimum opening balance is $1,000. Membership eligibility required.
0.50% interest rate · No monthly fee · Effective Jun 29, 2026
Rate by balance
Rate by balance for Daily Money Account Balance APY $1,000 – $2,500 0.50% $2,500 – $10,000 0.50% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 0.90% $50,000 – $100,000 1.05% $100,000 – $150,000 1.05% $150,000 – $250,000 1.10% $250,000 and up 1.10% Rate checked
More details - St. Pius Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.75%–1.50% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Membership subject to eligibility. Features include no penalty charges for withdrawal, monthly statements when dividends are credited, online access and eStatement delivery, and up to six transactions per month (Regulation D limits).
Offer: Level One. Rates subject to change without notice. Membership subject to eligibility.
0.75% interest rate · Effective Sep 28, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $24,999Your amount 0.75% $25,000 – $74,999Level Two. 1.00% $75,000 and upLevel Three. 1.50% 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 Rochester, NY metro
86 accounts at 36 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 1.18%
- Banks, typical
- 0.08%
- Credit unions, typical
- 0.10%
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Rochester, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 1 branch
- Pittsford Federal Credit UnionCredit union · 2 branches
- Canandaigua National BankBank · 26 branches