Highest IRA Savings Account Rates in New York
13 New York-specific products
The New York market
New York accounts
13
Institutions
12
Top New York APY
3.25% APY
Nationally: 2.00% APY
FDIC national average
0.37%
As of Sep 2026
13 IRA savings accounts are open only to New York residents, from 12 institutions. The highest advertised APY among them is 3.25%.
The highest nationally available rate is 2.00% APY, 125 basis points below the New York leader.
7 of the 13 New York IRA savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
New York-Specific IRA Savings Accounts
IRA Savings accounts specifically available to New York residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Peapack Private Bank & Trust Personal Individual Retirement Accounts IRAs 3.25%APY Observed: Oct 3, 2026 Show Details | +$325per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $500 | |
| #2 | Bank of Utica IRA MMA Up to2.20%APY On balances up to $5,000,000 · 2.00% above Min. balance: $1 Observed: Oct 13, 2026 Show Details | +$220per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #3 | Show Details | +$125per year | Deposit Insurance FDIC InsuredRequires Mod. MinimumLinked Account Features In-Person Access | $100 | |
| #4 | EMPOWER Premium Money Market IRA Up to2.35%APY Needs at least $250,000 Min. balance: $2,500 Observed: Oct 13, 2026 Show Details | +$115per yearEffective: 1.15% | We could not confirm: minimum deposit. Requires Mod. Minimum Features In-Person Access | N/A | |
| #5 | Show Details | +$76per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #6 | Show Details | +$55per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $250 | |
| #7 | Show Details | +$51per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #8 | Wallkill Valley Federal Savings and Loan Association IRA Statement Savings 0.25%APY Min. balance: $10 Observed: Oct 7, 2026 Show Details | +$25per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | N/A | |
| #9 | Show Details | +$15per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #10 | The North Country Savings Bank IRA Advantage Up to0.15%APY Needs at least $25,000 Min. balance: $1,000 Observed: Oct 13, 2026 Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #11 | Unity Bank Money Market IRA Up to0.15%APY Needs at least $50,000 Min. balance: $100 Observed: Oct 13, 2026 Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #12 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #13 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 |
Peapack Private Bank & Trust
Personal Individual Retirement Accounts IRAs
Show Fine Print & Trends Hide Details
| Min. Deposit | $500 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 11035) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Bank of Utica
IRA MMA
On balances up to $5,000,000 · 2.00% above
What to Watch
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.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 13397) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Empire State Bank
e-Advantage IRA Savings
What to Watch
Available when linked to an e-Advantage 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
EMPOWER
Premium Money Market IRA
Needs at least $250,000
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $2,500 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | Check Terms |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Wallkill Valley Federal Savings and Loan Association
Variable Rate IRA
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| Min. Deposit | $10 |
| Min. Balance | N/A |
| 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)
The First National Bank of Groton
Variable IRA
What to Watch
The rate is variable and is tied to the bank's 6 month CD rate. The bank can change it at any time at its own discretion.
Show Fine Print & Trends Hide Details
| Min. Deposit | $250 |
| Min. Balance | $250 |
| 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
Massena Savings and Loan
IRA Savings
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: 30429) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Wallkill Valley Federal Savings and Loan Association
IRA Statement Savings
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| 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)
PS Bank
IRA Savings
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 North Country Savings Bank
IRA Advantage
Needs at least $25,000
What to Watch
The account has no ATM access and no check-writing authority.
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $1,000 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 16030) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Unity Bank
Money Market IRA
Needs at least $50,000
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 33503) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Jeff Bank
IRA Statement Savings
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
The Bank of Princeton
IRA Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58513) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Nationally Available IRA Savings Accounts
The 3 highest-rate ira savings accounts available nationwide, including in New York.
| Institution | Product / Term | APY |
|---|---|---|
| nbkc Bank | Personal IRA Savings | 2.00% |
| Synchrony Bank | IRA Money Market Account | 2.00% |
| Carver Bank | Savings Liquit IRA | 0.10% |