Highest Savings Rates in New York
89 New York-specific accounts

A daily minimum balance of $1,000 is required to earn interest. The disclosed yield applies to balances from $1,000 to $250,000. New money only.

A Rewards Checking account is required. This rate applies in a cycle in which its qualifications are met.

Interest is earned only on an average daily balance between $100 and $10,000. Balances outside that range earn no interest.

A companion Solvay Bank High Interest Checking account is required, and that account must meet its own qualifications each statement cycle for this one to stay open. The stated APY applies only to the portion of the balance up to $49,999.99, and the portion above $50,000 earns a much lower rate. If the checking qualifications are missed for three consecutive months, the bank may convert this account to a Statement Savings account. A $25 fee applies if the account is closed within 6 months of opening. Online applications are accepted only from residents of Cayuga, Cortland, Madison, Oneida, Onondaga and Oswego counties in New York.

If the average available balance is more than $5 million, the stated APY is paid on the first $5 million and the balance above $5 million earns a different rate.

Each tier rate is guaranteed for 90 days from opening. Branch opening and consumers only. eStatements with a valid email are required, or the eSavings rate applies.

Variable rate. The APY can change at any time at the bank's discretion.

The top rate covers the first $20,000 in a month with 10 debit card purchases and eStatements on a linked Thrive Interest or Thrive Cash Back account. Other months earn the base rate.

The stated APY applies to balances up to $25,000 when the linked Kasasa Cash or Kasasa Cash Back account meets its monthly qualifications. The portion of the balance above $25,000 earns a lower rate. If the qualifications are not met, all balances earn a lower base rate.

Available when linked to an e-Advantage checking account and enrolled in online banking and e-statements.

The top rate covers up to $30,000 in a cycle with 12 debit card purchases, 1 direct deposit, ACH or bill pay item and eStatements on the linked Kasasa checking. Other cycles earn the base rate.

The account opens with $2,500, which is also the balance at which the higher rate band begins. The lower rate band applies only to an account whose balance has since fallen below $2,500.

The top rate covers the first $20,000 in a month with 15 debit card purchases over $7, 1 direct deposit or ACH credit and eStatements on linked First Choice checking. Other months earn the base rate.

Deposits can be made online, but withdrawals are made only in person at a branch with a valid ID. Electronic statements are required.

The rate depends on a linked NexTier Interest Plus rewards checking account. In a month when that checking account meets its qualifications (12 debit card purchases, eStatements, and one ACH automatic payment or direct deposit), the published rate applies. Otherwise the account pays a lower base rate. The published rate applies to balances up to and including $75,000; a balance above that earns a rate within a published range.

A Premier Checking or Premier Plus Checking account is required to open this account.

The stated APY applies to balances from $5,000 to $250,000. Balances above $250,000 earn a lower rate.

Preauthorized, automatic, and computer transfers from this account to another account or to a third party are not permitted.

The service charge is billed each quarter, not each month. It is refunded when the account is linked to a FirstView checking account, or when the daily balance stays at or above the stated minimum.

Closing the account within six months of opening is charged $15.