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Highest Club Savings Account Rates in New York
29 New York-specific products

By Aviel Fahl

Newest reading: October 13, 2026

Top New York Rate:4.00%

The New York market

New York accounts

29

Institutions

19

Top New York APY

4.00% APY

FDIC national average

0.37%

As of Sep 2026

29 club savings accounts are open only to New York residents, from 19 institutions. The highest advertised APY among them is 4.00%.

7 of the 29 New York club savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

New York-Specific Club Savings Accounts

Club Savings accounts specifically available to New York residents.

#1

New Millennium Bank

Millennium Club Account 1 Year Term

+$400
per year
4.00% APY
Oct 12, 2026
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

Opening this account requires an auto-debit from a New Millennium Bank checking account. After the opening deposit the holder must make an equal deposit on the same date each month until maturity to earn the published yield. The bank closes the account on any withdrawal of principal or interest, and also when no deposit is made for three consecutive months. The account does not renew at maturity.

Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$1,000
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 35151)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteNew Millennium Bank

Direct Link to Product Page (Not Sponsored)

#2

Bank of Utica

Christmas Club

+$200
per year
2.00% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The balance may not exceed $10,000.

Show Fine Print & Trends
Min. Deposit$5
Min. Balance$5
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 13397)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBank of Utica

Direct Link to Product Page (Not Sponsored)

#3

New Millennium Bank

Millennium Club Account 2 Years Term

+$200
per year
2.00% APY
Oct 12, 2026
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

Opening this account requires an auto-debit from a New Millennium Bank checking account. After the opening deposit the holder must make an equal deposit on the same date each month until maturity to earn the published yield. The bank closes the account on any withdrawal of principal or interest, and also when no deposit is made for three consecutive months. The account does not renew at maturity.

Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$1,000
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 35151)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteNew Millennium Bank

Direct Link to Product Page (Not Sponsored)

#4

New Millennium Bank

Millennium Club Account 3 Years Term

+$200
per year
2.00% APY
Oct 12, 2026
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

Opening this account requires an auto-debit from a New Millennium Bank checking account. After the opening deposit the holder must make an equal deposit on the same date each month until maturity to earn the published yield. The bank closes the account on any withdrawal of principal or interest, and also when no deposit is made for three consecutive months. The account does not renew at maturity.

Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$1,000
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 35151)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteNew Millennium Bank

Direct Link to Product Page (Not Sponsored)

#5

The Delaware National Bank of Delhi

Christmas Club

+$200
per year
2.00% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$1
Min. Balance$1
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 7025)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Delaware National Bank of Delhi

Direct Link to Product Page (Not Sponsored)

#6

Maspeth Federal Savings and Loan Association

Vacation & Holiday Clubs

+$50
per year
0.50% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The bank opens these club accounts only for a limited time each spring and fall. At the end of each annual cycle the bank mails a check for the full balance, including interest.

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. Balance$5
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30303)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteMaspeth Federal Savings and Loan Association

Direct Link to Product Page (Not Sponsored)

#7

The Delaware National Bank of Delhi

Tax Club

+$30
per year
0.30% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$10
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 7025)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Delaware National Bank of Delhi

Direct Link to Product Page (Not Sponsored)

#8

Cross County Savings Bank

Holiday Club

+$15
per year
0.15% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Preauthorized, automatic, and computer transfers from this account to another account or to a third party are not permitted. At account opening you choose how the balance is paid out, either a check mailed to the address on file or a deposit into a Cross County Savings Bank checking or savings account. A check is mailed if no choice is made.

Show Fine Print & Trends
Min. Deposit$10
Min. Balance$10
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30260)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteCross County Savings Bank

Direct Link to Product Page (Not Sponsored)

#9

Pathfinder Bank

Holiday Club

+$15
per year
0.15% APY
Oct 3, 2026
FDIC InsuredNo MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$0.01
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57497)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SitePathfinder Bank

Direct Link to Product Page (Not Sponsored)

#10

First National Bank of Scotia

Club Accounts

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$1
Min. Balance$50
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 11501)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteFirst National Bank of Scotia

Direct Link to Product Page (Not Sponsored)

#11

Gouverneur Savings and Loan Association

Holiday Club Account

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Early withdrawal from this club account is subject to a penalty, which is unusual for a savings account. Deposits are made weekly, biweekly or monthly, by automatic deposit or with a club book.

Show Fine Print & Trends
Min. Deposit$10
Min. Balance$10
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30976)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteGouverneur Savings and Loan Association

Direct Link to Product Page (Not Sponsored)

#12

Gouverneur Savings and Loan Association

Vacation Club Account

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Early withdrawal from this club account is subject to a penalty, which is unusual for a savings account. Deposits are made weekly, biweekly or monthly, by automatic deposit or with a club book.

Show Fine Print & Trends
Min. Deposit$10
Min. Balance$10
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30976)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteGouverneur Savings and Loan Association

Direct Link to Product Page (Not Sponsored)

#13

Maple City Savings Bank, FSB

Christmas Club

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$5
Min. Balance$10
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28585)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteMaple City Savings Bank, FSB

Direct Link to Product Page (Not Sponsored)

#14

The North Country Savings Bank

Christmas Clubs

+$10
per year
0.10% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

No withdrawals are allowed until the maturity date.

Show Fine Print & Trends
Min. Deposit$1
Min. Balance$1
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 16030)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe North Country Savings Bank

Direct Link to Product Page (Not Sponsored)

#15

Wallkill Valley Federal Savings and Loan Association

Holiday Club

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The balance saved over the year is paid out by check on the third Friday of October.

Show Fine Print & Trends
Min. Deposit$10
Min. Balance$10
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28870)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteWallkill Valley Federal Savings and Loan Association

Direct Link to Product Page (Not Sponsored)

#16

Wallkill Valley Federal Savings and Loan Association

All Purpose Club

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The balance is paid out by check or by deposit at the end of a club period that is set when the account is opened.

Show Fine Print & Trends
Min. Deposit$10
Min. Balance$10
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28870)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteWallkill Valley Federal Savings and Loan Association

Direct Link to Product Page (Not Sponsored)

#17

Watertown Savings Bank

Christmas Club

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The club runs a fifty-two week term.

Show Fine Print & Trends
Min. Deposit$1
Min. Balance$100
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 15990)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteWatertown Savings Bank

Direct Link to Product Page (Not Sponsored)

#18

Watertown Savings Bank

Vacation Club

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The club runs a fifty-two week term.

Show Fine Print & Trends
Min. Deposit$1
Min. Balance$100
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 15990)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteWatertown Savings Bank

Direct Link to Product Page (Not Sponsored)

#19

Bank of Holland

Holiday/Christmas Club

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$3
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 1464)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBank of Holland

Direct Link to Product Page (Not Sponsored)

#20

Champlain National Bank

Champlain Christmas Club

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Deposits must be made by automatic transfer from another Champlain National Bank account. No withdrawals are allowed before maturity. A $2 penalty applies if the account is closed early.

Show Fine Print & Trends
Min. Deposit$2
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 7356)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteChamplain National Bank

Direct Link to Product Page (Not Sponsored)

#21

Jeff Bank

Tax Account

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Withdrawals may be made only as window transactions, or as automatic transfers to a Jeff Bank checking or savings account to pay taxes.

Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 7123)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteJeff Bank

Direct Link to Product Page (Not Sponsored)

#22

PS Bank

Club Account

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. Balance$0
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 444)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SitePS Bank

Direct Link to Product Page (Not Sponsored)

#23

The First Bank of Greenwich

Holiday Club

+$5
per year
1.50% APY
Oct 7, 2026

Relationship rate from $5 · 0.50% without the relationship

APY Range: 0.50% – 1.50%
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Interest is earned only on balances up to $1,000. If the account is closed before interest is credited, the accrued interest is still paid. A higher rate applies when the depositor also holds a First Bank of Greenwich checking account.

Show Fine Print & Trends
Min. Deposit$5
Min. Balance$5
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58307)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteThe First Bank of Greenwich

Direct Link to Product Page (Not Sponsored)

#24

The First National Bank of Groton

Club Savings

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 7085)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe First National Bank of Groton

Direct Link to Product Page (Not Sponsored)

#25

Arrow Bank National Association

Holiday Club

+$1
per year
0.01% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Deposits can only be made by automatic transfer from another deposit account at the bank. No withdrawals are allowed: taking the funds out before the club completes requires closing the account, and accrued interest is not paid. When the club completes, the balance transfers automatically into a deposit account you choose, and the club renews.

Show Fine Print & Trends
Min. Deposit$10
Min. Balance$10
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 7074)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteArrow Bank National Association

Direct Link to Product Page (Not Sponsored)

#26

Jeff Bank

Vacation Club

+$1
per year
0.01% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A withdrawal before maturity must be for the entire balance. Partial withdrawals are not allowed.

Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound Freqat maturity
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 7123)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteJeff Bank

Direct Link to Product Page (Not Sponsored)

#27

Jeff Bank

Vacation Club Direct Deposit

+$1
per year
0.01% APY
Oct 7, 2026
FDIC InsuredDirect Deposit ReqLow MinimumsIn-Person Access

What to Watch

A withdrawal before maturity must be for the entire balance. Partial withdrawals are not allowed.

Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound Freqat maturity
Direct DepositRequired (See terms)
Deposit InsuranceFDIC Insured(Cert: 7123)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteJeff Bank

Direct Link to Product Page (Not Sponsored)

#28

Jeff Bank

Holiday Club

+$1
per year
0.01% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A withdrawal before maturity must be for the entire balance. Partial withdrawals are not allowed.

Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound Freqat maturity
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 7123)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteJeff Bank

Direct Link to Product Page (Not Sponsored)

#29

Jeff Bank

Holiday Club Direct Deposit

+$1
per year
0.01% APY
Oct 7, 2026
FDIC InsuredDirect Deposit ReqLow MinimumsIn-Person Access

What to Watch

A withdrawal before maturity must be for the entire balance. Partial withdrawals are not allowed.

Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound Freqat maturity
Direct DepositRequired (See terms)
Deposit InsuranceFDIC Insured(Cert: 7123)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteJeff Bank

Direct Link to Product Page (Not Sponsored)