Highest Business Savings Account Rates in New York
10 New York-specific products
The New York market
New York accounts
10
Institutions
5
Top New York APY
1.50% APY
Nationally: 3.90% APY
FDIC national average
0.38%
As of Oct 2026
10 business savings accounts are open only to New York residents, from 5 institutions. The highest advertised APY among them is 1.50%.
The highest nationally available rate is 3.90% APY, 240 basis points above the New York leader.
5 of the 10 New York business savings accounts advertise more than the FDIC national average of 0.38% for savings accounts as of Oct 2026.
New York-Specific Business Savings Accounts
Business Savings accounts specifically available to New York residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Show Details | +$125per year | Deposit Insurance FDIC InsuredRequires Mod. MinimumLinked Account Features In-Person Access | $100 | |
| #2 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #3 | Patriot Bank, National Association Premium Business Savings Up to1.50%APY Needs at least $250,000 Observed: Oct 19, 2026 Show Details | +$50per yearEffective: 0.50% | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #4 | Patriot Bank, National Association Premium Nonprofit Savings Up to1.00%APY Needs at least $250,000 Observed: Oct 19, 2026 Show Details | +$50per yearEffective: 0.50% | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #5 | Patriot Bank, National Association Premium Municipal Savings Up to1.50%APY Needs at least $250,000 Observed: Oct 19, 2026 Show Details | +$50per yearEffective: 0.50% | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #6 | Pathfinder Bank Business Savings Up to0.25%APY Needs at least $25,000 Min. balance: $300 Observed: Oct 21, 2026 Show Details | +$20per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $300 | |
| #7 | Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #8 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $500 | |
| #9 | Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $100 | |
| #10 | Patriot Bank, National Association Business Savings Up to0.05%APY Needs at least $250,000 Observed: Oct 19, 2026 Show Details | +$1per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A |
Empire State Bank
e-Advantage Business Savings
What to Watch
Available when linked to an e-Advantage Business checking account and enrolled in online banking and e-statements.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $2,500 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 57672) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Pathfinder Bank
Municipal Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 57497) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Patriot Bank, National Association
Premium Business Savings
Needs at least $250,000
What to Watch
Premium savings accounts are only available with their corresponding checking account.
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 33928) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Patriot Bank, National Association
Premium Nonprofit Savings
Needs at least $250,000
What to Watch
Premium savings accounts are only available with their corresponding checking account.
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 33928) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Patriot Bank, National Association
Premium Municipal Savings
Needs at least $250,000
What to Watch
Premium savings accounts are only available with their corresponding checking account.
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 33928) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Pathfinder Bank
Business Savings
Needs at least $25,000
Show Fine Print & Trends Hide Details
| Min. Deposit | $300 |
| Min. Balance | $300 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 57497) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Pathfinder Bank
Landlord Tenant Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $300 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 57497) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Cross County Savings Bank
Community Business Savings
What to Watch
Preauthorized, automatic, and computer transfers from this account to another account or to a third party are not permitted.
Show Fine Print & Trends Hide Details
| Min. Deposit | $500 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30260) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Bank of America
Business Advantage Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3510) |
| Eligibility | United States |
| Zelle® | SupportedLimit: $3,500 /dayFounding member; highest limits for established users. |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited) |
Rate Stability
Patriot Bank, National Association
Business Savings
Needs at least $250,000
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 33928) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Nationally Available Business Savings Accounts
The 8 highest-rate business savings accounts available nationwide, including in New York.
| Institution | Product / Term | APY |
|---|---|---|
| Prime Alliance Bank | Business Savings Accountneeds at least $200,000 | Up to3.90% |
| Climate First Bank | Super Savings | 3.56% |
| Axos Bank | Business Premium Savings | 3.50% |
| Capital One | Business Savings Account | 3.50% |
| Live Oak Bank | Business Savings | 2.75% |
| TAB Bank | Business Savings | 0.25% |
| Chase Bank | Chase Business Total Savingsneeds a linked account at the bank | 0.01% |
| Chase Bank | Chase Business Premier Savingsneeds a linked account at the bank | 0.01% |