Highest Club Savings Account Rates in New York
29 New York-specific products
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.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | New Millennium Bank Millennium Club Account 1 Year Term 4.00%APY Min. balance: $1,000 Observed: Oct 12, 2026 Show Details | +$400per year | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $1,000 | |
| #2 | Show Details | +$200per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #3 | New Millennium Bank Millennium Club Account 2 Years Term 2.00%APY Min. balance: $1,000 Observed: Oct 12, 2026 Show Details | +$200per year | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $1,000 | |
| #4 | New Millennium Bank Millennium Club Account 3 Years Term 2.00%APY Min. balance: $1,000 Observed: Oct 12, 2026 Show Details | +$200per year | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $1,000 | |
| #5 | Show Details | +$200per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #6 | Maspeth Federal Savings and Loan Association Vacation & Holiday Clubs 0.50%APY Min. balance: $5 Observed: Oct 13, 2026 Show Details | +$50per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | N/A | |
| #7 | Show Details | +$30per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #8 | Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #9 | Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0.01 | |
| #10 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #11 | Gouverneur Savings and Loan Association Holiday Club Account 0.10%APY Min. balance: $10 Observed: Oct 7, 2026 Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #12 | Gouverneur Savings and Loan Association Vacation Club Account 0.10%APY Min. balance: $10 Observed: Oct 7, 2026 Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #13 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #14 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #15 | Wallkill Valley Federal Savings and Loan Association Holiday Club 0.10%APY Min. balance: $10 Observed: Oct 7, 2026 Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #16 | Wallkill Valley Federal Savings and Loan Association All Purpose Club 0.10%APY Min. balance: $10 Observed: Oct 7, 2026 Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #17 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #18 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #19 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $3 | |
| #20 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $2 | |
| #21 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #22 | Show Details | +$5per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #23 | The First Bank of Greenwich Holiday Club Up to1.50%APY Relationship rate from $5 · 0.50% without the relationship Min. balance: $5 Observed: Oct 7, 2026 Show Details | +$5per yearEffective: 0.05% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #24 | Show Details | +$5per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #25 | Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #26 | Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #27 | Show Details | +$1per year | Deposit Insurance FDIC InsuredRequires Direct Deposit Req Features Low MinimumsIn-Person Access | $25 | |
| #28 | Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #29 | Show Details | +$1per year | Deposit Insurance FDIC InsuredRequires Direct Deposit Req Features Low MinimumsIn-Person Access | $25 |
New Millennium Bank
Millennium Club Account 1 Year Term
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 Hide Details
| Min. Deposit | $1,000 |
| Min. Balance | $1,000 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 35151) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Bank of Utica
Christmas Club
What to Watch
The balance may not exceed $10,000.
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $5 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 13397) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
New Millennium Bank
Millennium Club Account 2 Years Term
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.
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| Min. Deposit | $1,000 |
| Min. Balance | $1,000 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 35151) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
New Millennium Bank
Millennium Club Account 3 Years Term
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.
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| Min. Deposit | $1,000 |
| Min. Balance | $1,000 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 35151) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Delaware National Bank of Delhi
Christmas Club
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 7025) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Maspeth Federal Savings and Loan Association
Vacation & Holiday Clubs
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 Hide Details
| Min. Deposit | N/A |
| Min. Balance | $5 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30303) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Direct Link to Product Page (Not Sponsored)
The Delaware National Bank of Delhi
Tax Club
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 7025) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Cross County Savings Bank
Holiday Club
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.
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| Min. Deposit | $10 |
| Min. Balance | $10 |
| 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
Pathfinder Bank
Holiday Club
Show Fine Print & Trends Hide Details
| Min. Deposit | $0.01 |
| Min. Balance | $0.01 |
| 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
First National Bank of Scotia
Club Accounts
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $50 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 11501) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Gouverneur Savings and Loan Association
Holiday Club Account
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.
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| Min. Deposit | $10 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30976) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Gouverneur Savings and Loan Association
Vacation Club Account
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.
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| Min. Deposit | $10 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30976) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Maple City Savings Bank, FSB
Christmas Club
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28585) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The North Country Savings Bank
Christmas Clubs
What to Watch
No withdrawals are allowed until the maturity date.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 16030) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Wallkill Valley Federal Savings and Loan Association
Holiday Club
What to Watch
The balance saved over the year is paid out by check on the third Friday of October.
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28870) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Direct Link to Product Page (Not Sponsored)
Wallkill Valley Federal Savings and Loan Association
All Purpose Club
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 Hide Details
| Min. Deposit | $10 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28870) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Direct Link to Product Page (Not Sponsored)
Watertown Savings Bank
Christmas Club
What to Watch
The club runs a fifty-two week term.
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| Min. Deposit | $1 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15990) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Watertown Savings Bank
Vacation Club
What to Watch
The club runs a fifty-two week term.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15990) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Bank of Holland
Holiday/Christmas Club
Show Fine Print & Trends Hide Details
| Min. Deposit | $3 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 1464) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Champlain National Bank
Champlain Christmas Club
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.
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| Min. Deposit | $2 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 7356) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Jeff Bank
Tax Account
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 Hide Details
| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 7123) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
PS Bank
Club Account
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 444) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The First Bank of Greenwich
Holiday Club
Relationship rate from $5 · 0.50% without the relationship
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.
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| Min. Deposit | $5 |
| Min. Balance | $5 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58307) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
The First National Bank of Groton
Club Savings
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 | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 7085) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Arrow Bank National Association
Holiday Club
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.
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| Min. Deposit | $10 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 7074) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Jeff Bank
Vacation Club
What to Watch
A withdrawal before maturity must be for the entire balance. Partial withdrawals are not allowed.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | at maturity |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 7123) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Jeff Bank
Vacation Club Direct Deposit
What to Watch
A withdrawal before maturity must be for the entire balance. Partial withdrawals are not allowed.
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| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | at maturity |
| Direct Deposit | Required (See terms) |
| Deposit Insurance | FDIC Insured(Cert: 7123) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Jeff Bank
Holiday Club
What to Watch
A withdrawal before maturity must be for the entire balance. Partial withdrawals are not allowed.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | at maturity |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 7123) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Jeff Bank
Holiday Club Direct Deposit
What to Watch
A withdrawal before maturity must be for the entire balance. Partial withdrawals are not allowed.
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| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | at maturity |
| Direct Deposit | Required (See terms) |
| Deposit Insurance | FDIC Insured(Cert: 7123) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |