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New York Savings Accounts

If you have your savings dollars in a big bank or a bank with low savings rates, then you are losing money. We've found FDIC insured banks that will pay you more. Take a few minutes to explore the options below and see how you can boost your savings by more than 6X the national average rate. There is competition for your money. Take advantage of it!

NY - August 30, 2015
Savings Account National Average Rate: 0.12% ?
Banks APY Vs. Nat'l Av. Min Bal Miles ?
The Suffolk County National Bank of Riverhead 1.20% 9.92x $5,001 -
Capital One, National Association 1.10% 9.09x $10,001 -
Spring Bank 0.85% 7.06x $1,000 -
Spring Bank 0.85% 7.02x $1 -
Apple Bank for Savings 0.75% 6.20x $25,000 -
MERCANTIL COMMERCEBANK, NATIONAL ASSOCIATION 0.50% 4.13x $50 -
Hamlin Bank and Trust Company 0.50% 4.13x $25 -
Bank of Utica 0.40% 3.31x $250 -
Alma Bank 0.40% 3.31x $100 -
Emigrant Bank 0.40% 3.31x $100 -
Savoy Bank 0.40% 3.31x $25 -
Capital One, National Association 0.40% 3.31x $1,000,001 -
NorthEast Community Bank 0.40% 3.31x $500 -
Amerasia Bank 0.30% 2.48x $200 -
NewBank 0.30% 2.48x $300 -
The Citizens National Bank of Hammond 0.30% 2.48x $50 -
Carver Federal Savings Bank 0.25% 2.07x $300 -
Massena Savings and Loan 0.25% 2.07x $1 -
Berkshire Bank 0.25% 2.07x $50,000 -
Gouverneur Savings and Loan Association 0.25% 2.07x $10 -
Quontic Bank 0.25% 2.07x $100 -
Citizens Bank of Cape Vincent 0.25% 2.07x $10 -
Watertown Savings Bank 0.25% 2.07x $10 -
Medina Savings and Loan Association 0.25% 2.07x $200 -
BNB Hana Bank, National Association 0.25% 2.07x $200 -
Beal Bank USA 0.25% 2.07x $500 -
The Westchester Bank 0.25% 2.07x $100 -
The Upstate National Bank 0.25% 2.07x $20 -
Wilshire Bank 0.20% 1.65x $500 -
Victory State Bank 0.20% 1.65x $1 -
TrustCo Bank 0.20% 1.65x $200 -
Indus American Bank 0.20% 1.65x $1 -
Ridgewood Savings Bank 0.20% 1.65x $100 -
Eastbank, National Association 0.20% 1.65x $250 -
Banco Popular North America 0.20% 1.65x $1 -
Cayuga Lake National Bank 0.20% 1.65x $10 -
The Bank of Greene County 0.20% 1.65x $10 -
Rondout Savings Bank 0.20% 1.65x $10 -
United Orient Bank 0.20% 1.65x $100 -
The Delaware National Bank of Delhi 0.20% 1.65x $5 -
Maple City Savings Bank, FSB 0.20% 1.65x $10 -
Shinhan Bank America 0.20% 1.65x $100 -
Country Bank 0.20% 1.65x $2,500 -
Savannah Bank National Association 0.15% 1.24x $25 -
USNY Bank 0.15% 1.24x $1 -
Empire State Bank 0.15% 1.24x $2,500 -
Kearny Bank 0.15% 1.24x $100 -
ConnectOne Bank 0.15% 1.24x $250 -
Berkshire Bank 0.15% 1.24x $25 -
Hudson City Savings Bank 0.15% 1.24x $10 -
Wallkill Valley Federal Savings and Loan Association 0.15% 1.24x $10 -
Catskill Hudson Bank 0.15% 1.24x $100 -
Gibraltar Private Bank & Trust Co. 0.15% 1.24x $1 -
Customers Bank 0.15% 1.24x $50 -
Hometown Bank of the Hudson Valley 0.12% 0.99x $250 -
The Berkshire Bank 0.10% 0.83x $300 -
The Adirondack Trust Company 0.10% 0.83x $50 -
BCB Community Bank 0.10% 0.83x $100 -
Jeff Bank 0.10% 0.83x $1 -
Northwest Bank 0.10% 0.83x $100 -
Amalgamated Bank 0.10% 0.83x $100 -
Ballston Spa National Bank 0.10% 0.83x $2,500 -
Walden Savings Bank 0.10% 0.83x $50 -
Cattaraugus County Bank 0.10% 0.83x $2,500 -
Cathay Bank 0.10% 0.83x $1 -
Berkshire Bank 0.10% 0.83x $10 -
TrustCo Bank 0.10% 0.83x $200 -
Putnam County Savings Bank 0.10% 0.83x $25 -
Capital One, National Association 0.10% 0.83x $1 -
The Lyons National Bank 0.10% 0.83x $100 -
City National Bank of New Jersey 0.10% 0.83x $25 -
Geddes Federal Savings and Loan Association 0.10% 0.83x $25 -
The Oneida Savings Bank 0.10% 0.83x $25 -
Genesee Regional Bank 0.10% 0.83x $25 -
Industrial and Commercial Bank of China (USA), National Association 0.10% 0.83x $2,500 -
Ponce De Leon Federal Bank 0.10% 0.83x $500 -
The First National Bank of Groton 0.10% 0.83x $1 -
Carthage Federal Savings and Loan Association 0.10% 0.83x $10 -
Champlain National Bank 0.10% 0.83x $1 -
Sawyer Savings Bank 0.10% 0.83x $1,000 -
Ulster Savings Bank 0.10% 0.83x $250 -
Northfield Bank 0.10% 0.83x $300 -
Citizens & Northern Bank 0.10% 0.83x $200 -
The Putnam County National Bank of Carmel 0.10% 0.83x $100 -
Apple Bank for Savings 0.10% 0.83x $250 -
Orange County Trust Company 0.10% 0.83x $2,500 -
First Niagara Bank, National Association 0.10% 0.83x $200 -
Salisbury Bank and Trust Company 0.10% 0.83x $1 -
Bank of the Ozarks 0.10% 0.83x $100 -
The Suffolk County National Bank of Riverhead 0.10% 0.83x $100 -
First Central Savings Bank 0.10% 0.83x $250 -
Tompkins Trust Company 0.08% 0.66x $2,500 -
Berkshire Bank 0.08% 0.66x $25 -
Chemung Canal Trust Company 0.05% 0.41x $250 -
PathFinder Bank 0.05% 0.41x $100 -
Alden State Bank 0.05% 0.41x $100 -
Seneca Federal Savings and Loan Association 0.05% 0.41x $50 -
Adirondack Bank 0.05% 0.41x $100 -
Fairport Savings Bank 0.05% 0.41x $50 -
Evans Bank, National Association 0.05% 0.41x $100 -
CTBC Bank Corp. (USA) 0.05% 0.41x $1,000 -
Bank of Millbrook 0.05% 0.41x $150 -
Solvay Bank 0.05% 0.41x $1 -
First American International Bank 0.05% 0.41x $500 -
Astoria Bank 0.05% 0.41x $500 -
Investors Bank 0.05% 0.41x $50 -
The Bridgehampton National Bank 0.05% 0.41x $100 -
SussexBank 0.05% 0.41x $100 -
People's United Bank, National Association 0.05% 0.41x $250 -
Community Bank, National Association 0.05% 0.41x $1 -
TD Bank, National Association 0.05% 0.41x $1 -
Glens Falls National Bank and Trust Company 0.05% 0.41x $1,000 -
Fulton Savings Bank 0.05% 0.41x $100 -
Greater Hudson Bank, National Association 0.05% 0.41x $25 -
The First National Bank of Dryden 0.05% 0.41x $50 -
First National Bank of Scotia 0.05% 0.41x $50 -
NBT Bank, National Association 0.05% 0.41x $25 -
Woodforest National Bank 0.05% 0.41x $1 -
Pioneer Savings Bank 0.05% 0.41x $50 -
Abacus Federal Savings Bank 0.05% 0.41x $500 -
First Citizens Community Bank 0.05% 0.41x $200 -
New York Community Bank 0.05% 0.41x $100 -
East West Bank 0.05% 0.41x $1 -
BBCN Bank 0.05% 0.41x $1 -
New York Commercial Bank 0.05% 0.41x $200 -
Peoples Security Bank and Trust Company 0.05% 0.41x $100 -
Radius Bank 0.05% 0.41x $500 -
Bank of Akron 0.05% 0.41x $1 -
Lake Shore Savings Bank 0.05% 0.41x $10 -
Generations Bank 0.05% 0.41x $100 -
Saratoga National Bank and Trust 0.05% 0.41x $100 -
Five Star Bank 0.04% 0.33x $1 -
Elmira Savings Bank 0.03% 0.25x $200 -
Santander Bank, N.A. 0.03% 0.25x $2,000 -
Valley National Bank 0.03% 0.25x $100 -
Chinatown Federal Savings Bank 0.03% 0.25x $100 -
Rhinebeck Bank 0.03% 0.25x $1 -
Tioga State Bank 0.03% 0.25x $100 -
Mahopac Bank 0.03% 0.25x $2,500 -
The Canandaigua National Bank and Trust Company 0.03% 0.25x $100 -
Manufacturers and Traders Trust Company 0.02% 0.17x $1 -
Webster Bank, National Association 0.02% 0.17x $1 -
KeyBank National Association 0.02% 0.17x $2,500 -
HSBC Bank USA, National Association 0.01% 0.08x $100 -
First Niagara Bank, National Association 0.01% 0.08x $200 -
Steuben Trust Company 0.01% 0.08x $200 -
Wells Fargo Bank, National Association 0.01% 0.08x $2,500 -
Citibank, National Association 0.01% 0.08x $100 -
JPMorgan Chase Bank, National Association 0.01% 0.08x $1 -
Citizens Bank, National Association 0.01% 0.08x $2,500 -
Bank of America, National Association 0.01% 0.08x $1 -
City National Bank 0.01% 0.08x $500 -
Sterling National Bank 0.01% 0.08x $500 -

BestCashCow strives to maintain the most accurate rates. If you find a rate that is not accurate, please let us know by commenting below so that we can update it. Thank you for your help.

Comments


george koshefsky, April 21, 2015


Where is the list of the worst online banks to bank with or the States to avoid

Helpful? Yes:3 / No:0
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ctyank January 19, 2015, January 19, 2015


Liberty Bank...Hamden, CT...new branch opening...special savings rate, 1.50% up to $100,000.00 through 2016...do not beleive it is available to om-line customer(s)...checking account linked, free...

Helpful? Yes:0 / No:0
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Sol @ Travis, September 29, 2013


@ Travis

In many cases we do provide this information. For example, the Belmont Savings Bank rate you list above comes with a clear disclaimer if you click the Learn more button. We're always trying to improve though and will certainly continue to gather additional information. Thanks for your comment.

Helpful? Yes:2 / No:0
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Travis MacDonald, September 29, 2013


I find the numbers decieving. Some of your banks listed with the highest APR have many restrictions and requirements. I feel that these should be listed on your site in the "details" section to avoid any "bait-and-switch" claims. For instance, Belmont Savings Bank in Belmont, MA is listed as having a 1.00% APR, but the savings account requires a companion checking account with a daily average balance of 250,000. Another example is Salen Five cents Bank under the online banks. The account listed is not available on their website. When I inquired about it, they told me that particular savings product was reserved as an add-on for accounts with daily balances in excess of $10,000. It seems alot of research went into the details pages in terms of company financials and whatnot. Seems like a little more research could be done on the savings and checking products themselves.

Helpful? Yes:4 / No:0
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