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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 - December 21, 2014
Savings Account National Average Rate: 0.13% ?
Banks APY Vs. Nat'l Av. Min Bal Miles ?
Capital One, National Association 1.24% 9.92x $10,001 -
Spring Bank 0.85% 6.83x $1,000 -
Spring Bank 0.85% 6.80x $1 -
M.Y. SAFRA BANK, FSB 0.50% 4.00x $50,000 -
NorthEast Community Bank 0.50% 4.00x $500 -
Capital One, National Association 0.40% 3.20x $1,000,001 -
Bank of Utica 0.40% 3.20x $250 -
Savoy Bank 0.40% 3.20x $1 -
Alma Bank 0.40% 3.20x $100 -
Emigrant Bank 0.40% 3.20x $100 -
Customers Bank 0.35% 2.80x $50 -
Catskill Hudson Bank 0.30% 2.40x $100 -
Community Federal Savings Bank 0.30% 2.40x $200 -
The Citizens National Bank of Hammond 0.30% 2.40x $50 -
Amerasia Bank 0.30% 2.40x $200 -
NewBank 0.30% 2.40x $300 -
Intervest National Bank 0.30% 2.40x $500 -
The National Bank of Coxsackie 0.25% 2.00x $1 -
Carver Federal Savings Bank 0.25% 2.00x $300 -
Massena Savings and Loan 0.25% 2.00x $1 -
Berkshire Bank 0.25% 2.00x $50,000 -
Gouverneur Savings and Loan Association 0.25% 2.00x $10 -
Shinhan Bank America 0.25% 2.00x $100 -
The Westchester Bank 0.25% 2.00x $100 -
Quontic Bank 0.25% 2.00x $100 -
Citizens Bank of Cape Vincent 0.25% 2.00x $10 -
Watertown Savings Bank 0.25% 2.00x $10 -
CMS Bank 0.25% 2.00x $300 -
BNB Hana Bank, National Association 0.25% 2.00x $200 -
Wilshire Bank 0.20% 1.60x $500 -
Gibraltar Private Bank & Trust Co. 0.20% 1.60x $1 -
Victory State Bank 0.20% 1.60x $1 -
TrustCo Bank 0.20% 1.60x $200 -
Indus American Bank 0.20% 1.60x $1 -
Ridgewood Savings Bank 0.20% 1.60x $100 -
Eastbank, National Association 0.20% 1.60x $250 -
Country Bank 0.20% 1.60x $2,500 -
First Central Savings Bank 0.20% 1.60x $250 -
Banco Popular North America 0.20% 1.60x $1 -
Asia Bank, National Association 0.20% 1.60x $1 -
Cayuga Lake National Bank 0.20% 1.60x $10 -
The Bank of Greene County 0.20% 1.60x $10 -
Cathay Bank 0.20% 1.60x $1 -
Rondout Savings Bank 0.20% 1.60x $10 -
United Orient Bank 0.20% 1.60x $100 -
The Delaware National Bank of Delhi 0.20% 1.60x $5 -
Maple City Savings Bank, FSB 0.20% 1.60x $10 -
Jeff Bank 0.15% 1.20x $1 -
Savannah Bank National Association 0.15% 1.20x $25 -
USNY Bank 0.15% 1.20x $1 -
The Lyons National Bank 0.15% 1.20x $100 -
Empire State Bank 0.15% 1.20x $2,500 -
Sawyer Savings Bank 0.15% 1.20x $1,000 -
National Bank of New York City 0.15% 1.20x $500 -
Berkshire Bank 0.15% 1.20x $25 -
Hudson City Savings Bank 0.15% 1.20x $10 -
Wallkill Valley Federal Savings and Loan Association 0.15% 1.20x $10 -
Woori America Bank 0.15% 1.20x $200 -
Hometown Bank of the Hudson Valley 0.12% 0.96x $250 -
The Berkshire Bank 0.10% 0.80x $300 -
The Adirondack Trust Company 0.10% 0.80x $50 -
Patriot Federal Bank 0.10% 0.80x $1 -
Lake Shore Savings Bank 0.10% 0.80x $10 -
Evans Bank, National Association 0.10% 0.80x $100 -
The Bridgehampton National Bank 0.10% 0.80x $10,000 -
Ballston Spa National Bank 0.10% 0.80x $2,500 -
Walden Savings Bank 0.10% 0.80x $50 -
Cattaraugus County Bank 0.10% 0.80x $2,500 -
Saratoga National Bank and Trust 0.10% 0.80x $100 -
Berkshire Bank 0.10% 0.80x $10 -
TrustCo Bank 0.10% 0.80x $200 -
Putnam County Savings Bank 0.10% 0.80x $25 -
Capital One, National Association 0.10% 0.80x $1 -
City National Bank of New Jersey 0.10% 0.80x $25 -
Geddes Federal Savings and Loan Association 0.10% 0.80x $25 -
The Oneida Savings Bank 0.10% 0.80x $25 -
Genesee Regional Bank 0.10% 0.80x $25 -
Industrial and Commercial Bank of China (USA), National Association 0.10% 0.80x $2,500 -
Amalgamated Bank 0.10% 0.80x $5 -
Ponce De Leon Federal Bank 0.10% 0.80x $500 -
The First National Bank of Groton 0.10% 0.80x $1 -
Carthage Federal Savings and Loan Association 0.10% 0.80x $10 -
Champlain National Bank 0.10% 0.80x $1 -
Northwest Savings Bank 0.10% 0.80x $100 -
Ulster Savings Bank 0.10% 0.80x $250 -
Northfield Bank 0.10% 0.80x $300 -
Citizens & Northern Bank 0.10% 0.80x $200 -
The Putnam County National Bank of Carmel 0.10% 0.80x $100 -
Apple Bank for Savings 0.10% 0.80x $250 -
Orange County Trust Company 0.10% 0.80x $2,500 -
The Suffolk County National Bank of Riverhead 0.10% 0.80x $100 -
Salisbury Bank and Trust Company 0.10% 0.80x $1 -
The National Bank of Delaware County 0.10% 0.80x $1 -
Tompkins Trust Company 0.08% 0.64x $2,500 -
Berkshire Bank 0.08% 0.64x $25 -
Chemung Canal Trust Company 0.05% 0.40x $250 -
PathFinder Bank 0.05% 0.40x $100 -
Alden State Bank 0.05% 0.40x $100 -
Seneca Federal Savings and Loan Association 0.05% 0.40x $50 -
Adirondack Bank 0.05% 0.40x $100 -
Fairport Savings Bank 0.05% 0.40x $50 -
BBCN Bank 0.05% 0.40x $1 -
Bank of Millbrook 0.05% 0.40x $150 -
Solvay Bank 0.05% 0.40x $1 -
First American International Bank 0.05% 0.40x $500 -
Astoria Bank 0.05% 0.40x $500 -
Investors Bank 0.05% 0.40x $50 -
SussexBank 0.05% 0.40x $100 -
MERCANTIL COMMERCEBANK, NATIONAL ASSOCIATION 0.05% 0.40x $50 -
Community Bank, National Association 0.05% 0.40x $1 -
TD Bank, National Association 0.05% 0.40x $1 -
Glens Falls National Bank and Trust Company 0.05% 0.40x $1,000 -
People's United Bank 0.05% 0.40x $250 -
Fulton Savings Bank 0.05% 0.40x $100 -
CTBC Bank Corp. (USA) 0.05% 0.40x $500 -
Abacus Federal Savings Bank 0.05% 0.40x $2,000 -
Greater Hudson Bank, National Association 0.05% 0.40x $25 -
The First National Bank of Dryden 0.05% 0.40x $50 -
First National Bank of Scotia 0.05% 0.40x $50 -
NBT Bank, National Association 0.05% 0.40x $25 -
Hanmi Bank 0.05% 0.40x $1 -
The Bridgehampton National Bank 0.05% 0.40x $100 -
Woodforest National Bank 0.05% 0.40x $1 -
Pioneer Savings Bank 0.05% 0.40x $50 -
First Citizens Community Bank 0.05% 0.40x $200 -
New York Community Bank 0.05% 0.40x $200 -
Generations Bank 0.05% 0.40x $100 -
East West Bank 0.05% 0.40x $1 -
New York Commercial Bank 0.05% 0.40x $200 -
Peoples Security Bank and Trust Company 0.05% 0.40x $100 -
First Trade Union Bank 0.05% 0.40x $500 -
Bank of Akron 0.05% 0.40x $1 -
Five Star Bank 0.04% 0.32x $1 -
Elmira Savings Bank 0.03% 0.24x $200 -
Santander Bank, N.A. 0.03% 0.24x $2,000 -
Valley National Bank 0.03% 0.24x $100 -
Chinatown Federal Savings Bank 0.03% 0.24x $100 -
Rhinebeck Bank 0.03% 0.24x $1 -
Tioga State Bank 0.03% 0.24x $100 -
The Bank of Castile 0.03% 0.24x $2,500 -
The Canandaigua National Bank and Trust Company 0.03% 0.24x $300 -
Mahopac Bank 0.03% 0.24x $2,500 -
Manufacturers and Traders Trust Company 0.02% 0.16x $1 -
Hudson Valley Bank, National Association 0.02% 0.16x $500 -
Webster Bank, National Association 0.02% 0.16x $1 -
KeyBank National Association 0.02% 0.16x $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 -
Modern Bank, National Association 0.01% 0.08x $2,500 -
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 -
Patriot National Bank 0.01% 0.08x $250 -
Sterling National Bank 0.01% 0.08x $500 -
City 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


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.

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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.

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