New York Savings Accounts

The most populous city in the US, New York City is truly the “city that never sleeps”. NYC is a leader in areas of finance, entertainment, global commerce, media, culture, education and is an important center for international affairs. The city is one of the banking capitals of the world, and home to most of the world's major banks.

NYC Banks consist of FDIC insured commercial banks for deposit accounts, checking accounts, certificates of deposit and loan products. Some banks also offer currency exchange services, rent safe deposit boxes and sell traveler's checks. The city is also home to The Federal Reserve Bank of New York, which is responsible for adjusting money supply and storage of gold for other nations, as well as setting monetary policy for the US.

Bank or Credit Union	Apy	Min	Max	Product
Greene County Commercial Bank	5.00%	-	$1k	e-Savings Account
N C P D Credit Union	1.00%	-	-	Savings Account
The Delaware National Bank of Delhi	1.00%	-	-	Passbook Savings
CheckSpring Bank	0.85%	-	-	All Savings Products
Citizens Bank of Cape Vincent	0.81%	-	-	Passbook Savings Account
ING DIRECT	0.80%	-	-	Orange Savings Account
Gouverneur Savings and Loan Association	0.75%	-	-	Passbook Savings
Lufthansa Emp. Credit Union	0.75%	-	-	Share Account
Central Hudson Employees Credit Union	0.75%	-	-	Share Account
Ed-Med Credit Union	0.75%	-	-	Regular Shares
Van Cortlandt Cooperative Credit Union	0.75%	-	-	Regular Shares
DollarSavingsDirect	0.70%	-	-	Dollar Savings Account
Grand Yield Direct	0.65%	-	-	Grand Yield Direct Savings Account
EmigrantDirect.com	0.60%	-	-	AmericanDream SavingsAccount
State Employees Credit Union	0.60%	-	-	Preferred Plus Savings
Capital One, National Association	0.60%	-	-	Smart Savings
Lyell Credit Union	0.60%	-	-	Regular Savings Account
Massena Savings and Loan	0.51%	-	-	Regular Savings Account
Solutions Credit Union	0.51%	-	$5k	Share Account
Cross County Federal Savings	0.50%	-	-	Savings
Melrose Credit Union	0.50%	-	-	Share Account
Bank of Greene County	0.50%	-	-	Statement Savings
Madison National Bank	0.50%	-	-	Madison Holiday Savings Account
St. Pius X Church Credit Union	0.50%	-	-	Regular Share
C C S E Credit Union	0.50%	-	-	Share Savings Account
Ukrainian National Credit Union	0.50%	-	-	Passbook Savings Account
Suny Fredonia Credit Union	0.50%	-	-	Share Savings Account
Cattaraugus County Employees Credit Union	0.50%	-	-	Regular Share Savings Account
Newspaper Employees Credit Union	0.50%	-	-	Share Account
Umico Credit Union	0.50%	-	-	Share Account
Wallkill Valley Federal Savings and Loan Association	0.46%	-	-	Passbook Savings Account
Cayuga Lake National Bank	0.40%	-	-	Passbook Savings Account
Nassau Financial Credit Union	0.40%	-	-	Regular Share Account
Oceanside Christopher Credit Union	0.40%	-	-	Regular Savings Account
Ontario Shores Credit Union	0.40%	-	-	Savings Account
Chen-Del-O Credit Union	0.40%	-	-	Regular Share Account
Cheektowaga Community Credit Union	0.40%	-	-	Natural Person Account
Bay Ridge Federal Credit Union	0.35%	-	-	Automatic Savings (Direct Deposit)
Investors Savings Bank	0.35%	-	-	Statement Savings Retirement Account
Hudson City Savings Bank	0.35%	-	-	Passbook
North Shore LIJ Health System Credit Union	0.35%	-	-	Share Savings
Saint Lawrence Credit Union	0.35%	-	-	Regular Savings
Olean Teachers' And Postal Credit Union	0.35%	-	-	Summer Payment Accounts
The National Bank of Coxsackie	0.35%	-	-	Statement Savings Account
Island Federal Credit Union	0.30%	-	-	Regular Savings
Nassau Educators Federal Credit Union	0.30%	-	-	Share Account
Ponce de Leon FSB	0.30%	-	-	Passbook Savings
Northwest Savings Bank	0.30%	-	-	IRA Tiered Money Fund
Polish & Slavic Credit Union	0.30%	-	-	Savings Account
City National Bank (CA)	0.30%	-	$2m	City National Green Savings
Banco Popular	0.30%	-	-	Relationship Savings - Bonus
Empower Credit Union	0.30%	-	-	Share Savings Account
Bethpage Credit Union	0.30%	-	-	Savings Accounts
Oswego Teachers Employees Credit Union	0.30%	-	-	Regular Shares Account
United Nations Credit Union	0.30%	-	-	Savings Account
V.A.C.Employees Credit Union	0.30%	-	-	Share Account
Twin Rivers Credit Union	0.30%	-	-	Share Account
N Y Team Credit Union	0.26%	-	-	CD IRA's
iGObanking	0.25%	-	-	iGOsavings
Wings Financial Credit Union	0.25%	-	-	Share Savings
Corning Credit Union	0.25%	-	-	Share Savings
Hudson Valley Credit Union	0.25%	-	-	Savings
Indus American Bank	0.25%	-	-	Power Statement Savings
Empire State Bank	0.25%	-	-	Statement Savings Account
Horizons Credit Union	0.25%	-	-	Regular Savings Account
Mcgraw Hill Credit Union	0.25%	-	-	Share Savings Account
Rhinebeck Savings Bank	0.25%	-	-	Super Savers Club Account
Tct Credit Union	0.25%	-	-	Regular Share
British Airways Employees Credit Union	0.25%	-	-	Regular Share Account
Nucor Employee's Credit Union	0.25%	-	-	Share Account
Brooklyn Cooperative Credit Union	0.25%	-	-	Simple Savings Account
Mohawk Progressive Credit Union	0.25%	-	-	Regular Share Account
Upstate Telco Credit Union	0.25%	-	-	Regular Savings
Special Metals Credit Union	0.25%	-	-	Regular Share Account
Niagara Mohawk Pwr Cor Troy E Credit Union	0.25%	-	-	Regular Savings Account
Port Washington Teachers Credit Union	0.25%	-	-	Share Account
Norwich Telops Credit Union	0.25%	-	-	Regular Share Account
Remington Credit Union	0.25%	-	-	Regular Shares
Wit Credit Union	0.25%	-	-	Share Account (Savings)
Peru Central School Credit Union	0.25%	-	-	Regular Share
Lancaster - Depew Credit Union	0.25%	-	-	Regular Share Account
Hudson River Teachers Credit Union	0.25%	-	-	Regular Share Account
RPI Employees Credit Union	0.25%	-	-	Share Savings Account
Kenmore N. Y. Teachers Credit Union	0.25%	-	-	Share Savings Account
Quontic Bank, FSB	0.25%	-	-	Savings Account
Sweet Home Credit Union	0.25%	-	-	Share Account
Albany Firemens Credit Union	0.25%	-	-	Regular Savings
Ameriprise Bank FSB	0.20%	-	-	Ameriprise Standard Advantage Savings
Walden Savings Bank	0.20%	-	-	School Savings
Patriot Federal Bank	0.20%	-	-	Statement Savings
Pittsford Credit Union	0.20%	-	-	Super Savings
Geico Credit Union	0.20%	-	-	Share Savings Account
Sawyer Savings Bank	0.20%	-	-	Choice Savings Account
School Systems Credit Union	0.20%	-	-	Regular Savings Account
The First National Bank of Jeffersonville	0.20%	-	-	Statement Savings Account
Maple City Savings Bank, FSB	0.20%	-	-	Flex Statement Savings Account
Saratoga's Community Credit Union	0.20%	-	-	Savings Account
Matteawan Credit Union	0.20%	-	-	Savings Account
Hometown Bank of the Hudson Valley	0.20%	-	-	Statement Savings Account
Sperry Associates Credit Union	0.20%	-	-	Share Account
Watertown Savings Bank	0.20%	-	-	Health Savings Account
Town Of Cheektowaga Credit Union	0.20%	-	$1m	Share Account
Hoosick Credit Union	0.20%	-	-	Regular Savings Account
Lexington Avenue Credit Union	0.20%	-	-	Regular Share Account
Stewart's Credit Union	0.20%	-	-	Regular Share Account
Pentagon Federal Credit Union	0.19%	-	$2,500	Regular Share Savings
Greater Niagara Credit Union	0.18%	-	-	Share Savings
Crouse Credit Union	0.16%	-	-	Regular Share Account
Dime Savings Bank	0.15%	-	-	Student Savings
Salisbury Bank	0.15%	-	-	Relationship Savings
Marathon National Bank	0.15%	-	-	Statement Savings
Webster Bank	0.15%	-	-	Premier Savings
Solvay Bank	0.15%	-	-	Statement Savings
Atlas Bank	0.15%	-	-	Statement Savings
The National Bank of Delaware County	0.15%	-	-	Savings Account
TrustCo Bank	0.15%	-	$15k	Statement Savings
The Adirondack Trust Company	0.15%	-	-	Regular Passbook
Att-Wyo Correctional Employees Credit Union	0.15%	-	-	Shares
Dannemora Credit Union	0.15%	-	-	Regular Shares
First Source Credit Union	0.15%	-	-	Regular Share
Finger Lakes Credit Union	0.15%	-	-	Share Account
Novartis Credit Union	0.15%	-	-	Regular Share Account
Core Credit Union	0.15%	-	-	Regular Shares
Ticonderoga Credit Union	0.15%	-	-	Regular Savings
Tonawanda Valley Credit Union	0.15%	-	-	Primary Share Account
Southern Chautauqua Credit Union	0.15%	-	-	Membership Savings Account
Ever $ Green Credit Union	0.15%	-	-	Share Savings Account
Educational And Governmental Credit Union	0.15%	-	-	Share Savings
Lake Shore Credit Union	0.15%	-	-	Regular Share Account
Westside Community Credit Union	0.15%	-	$1m	Share Account
Fulton Savings Bank	0.15%	-	-	Day of Deposit Account
Amalgamated Bank	0.10%	-	-	Savings
Cattaraugus County Bank	0.10%	-	-	Statement Savings Account
Northern Federal Credit Union	0.10%	-	-	High Yield Savings
Advantage Federal Credit Union	0.10%	-	-	Regular Share
Kinderhook Bank	0.10%	-	-	Passbook
Carthage Federal Savings and Loan Association	0.10%	-	-	Statement
Alternatives Credit Union	0.10%	-	-	Regular Share Savings
Berkshire Bank	0.10%	-	-	Passbook Savings Account
Flushing Commercial Bank	0.10%	-	-	Statement Savings
Hudson Heritage Credit Union	0.10%	-	-	Share Savings
Champlain National Bank	0.10%	-	-	Champlain Statement Savings Account
Palisades Credit Union	0.10%	-	-	Savings Account
Peoples National Bank (PA)	0.10%	-	-	Statement Savings
Pioneer Savings Bank	0.10%	-	-	Statement Savings
Xcel Credit Union	0.10%	-	-	Additional Savings
The Atlantic Credit Union	0.10%	-	-	Regular Share Savings Account
First New York Credit Union	0.10%	-	-	Primary Share Savings
Sunnyside Federal Savings and Loan Association of Irvington	0.10%	-	-	Passbook Savings
Sunmark Credit Union	0.10%	-	-	Membership Savings Plan
Suma Yonkers Credit Union	0.10%	-	-	Escrow Share
Columbia Greene Credit Union	0.10%	-	-	Share Savings Account
Encore Credit Union	0.10%	-	-	Primary Share Account
Canandaigua Credit Union	0.10%	-	-	Full Service Members Regular Share Account
Fairport Credit Union	0.10%	-	-	Original Savings
Parks Heritage Credit Union	0.10%	-	-	Regular Savings
Westar Credit Union	0.10%	-	-	Regular Share Account
Cobblestone Country Credit Union	0.10%	-	-	Share Account
Msba Employees Credit Union	0.10%	-	-	Regular Share Account
Genesee Valley Credit Union	0.10%	-	-	Savings Account
South Towns Community Credit Union	0.10%	-	-	Share Account
Inner Lakes Credit Union	0.10%	-	-	Shares Savings
Rochester & Monroe Co Emp Credit Union	0.10%	-	-	Regular Share Savings
Le Roy Credit Union	0.10%	-	-	Savings Account
Liverpool Central School Credit Union	0.10%	-	-	Regular Shares
Local 41 I.B.E.W. Credit Union	0.10%	-	-	Vacation Share Account
Gates Chili Credit Union	0.10%	-	-	Primary Savings
Sidney Credit Union	0.10%	-	-	Insurance
City National Bank (NJ)	0.10%	-	-	Statement Saver
Flushing Bank	0.10%	-	-	Statement Savings
A C M G Credit Union	0.07%	-	-	Special Savings
Baxter Credit Union	0.05%	-	-	Regular Savings
First National Bank of Long Island	0.05%	-	-	Super Select Savings
First Trade Union Savings	0.05%	-	-	High and Mighty Savings
Alden State Bank	0.05%	-	-	REALSaver - Non Qualifying
Consumers Credit Union	0.05%	-	-	Saving Share Accounts
First American International Bank	0.05%	-	-	High Yield Passbook Savings
Community Bank, National Association	0.05%	-	-	Completely Free Savings
The Mahopac National Bank	0.05%	-	-	True Advantage Savings
Cathay Bank	0.05%	-	-	Regular Savings
Adirondack Regional Credit Union	0.05%	-	-	Regular Shares
Fairport Savings Bank	0.05%	-	-	SuperStar Savings
ESL Federal Credit Union	0.05%	-	-	Daily Dividend Savings Account
Tompkins Trust Company	0.05%	-	-	Welcome Savings Account
United International Bank	0.05%	-	-	Super Account
Webster Credit Union	0.05%	-	-	Savings Account
Fulton County Credit Union	0.05%	-	-	Regular Savings
USAlliance Credit Union	0.05%	-	-	Share Management Savings
Tri-Lakes Credit Union	0.05%	-	$100	Regular Shares
Rockland Employees Credit Union	0.05%	-	-	Share (Saving) Account
State University Of Ny Geneseo Credit Union	0.05%	-	-	Basic Savings
Irondequoit Credit Union	0.05%	-	-	Savings
Ufirst Credit Union	0.05%	-	-	Escrow Account
Quorum Federal Credit Union	0.05%	-	-	Name-Your-Own-Savings
Greater Hudson Bank, National Association	0.05%	-	-	Signature Savings
M&T Bank	0.02%	-	-	Relationship Savings
First Republic Bank	0.02%	-	-	Passbook Savings
The Bank of Castile	0.02%	-	-	True Advantage Savings

Recent Stories

Checking Account Bonuses of Up to $100 at Webster Bank in NY, MA, RI and CT

Webster Bank is offering four checking account bonuses with values that range from $50 to $100. The amount of the bonus depends on the checking account that is opened. As you might expect, the higher the bonus, the harder it is to avoid the monthly fees. Webster Bank used to have the Totally Free Checking account, but this changed to the Value Checking which has potential monthly fees.

Here's the checking promotion page. The offer is scheduled to end on 6/22/2012.

To qualify for the bonus, the customer must complete one of the following by 7/20/2012:

1 direct deposit,...

Special 5-Year & 30-Month CD Rates at Valley National Bank in NY - Local Only

A reader just informed me of these CD specials at Valley National Bank. The rates are very competitive, but there's a catch. The two specials are a 2.30% APY 5-year CD and a 1.60% APY 30-month CD. Minimum deposit is $5,000, and the maximum deposit is $100,000. The specials are listed in the bank's promotions page as of 5/11/2012.

The catch is that these CD specials require an active checking account. The details are described in the offer's small print. Below is an excerpt of the important details:

To qualify for promotional CD rates, a Perfect Promo Checking...

Updated Review of North Country Savings Bank's Advantage Checking Account

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It has been a while since I reported on First Republic Bank. Its CD rates have finally changed for the better to make it noteworthy. The bank now has a few competitive CD rates. The two best ones are a 1.30% APY 2-year CD and a 1.20% APY 18-month CD. Minimum deposit is $5,000. Below is the list of all of the competitive CD rates as listed at the bank's rates page as of 5/2/2012:

1.75% APY 6-year CD
1.60% APY 5-year CD
1.50% APY 4-year CD
1.40% APY 3-year CD
1.30% APY 2-year CD
1.20% APY 18-month CD
1.00% APY 1-year CD

Rates...

Melrose Credit Union CD Rates Fall But Remain Competitive

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Featured Savings Accounts

Ally Bank Online Savings Account

0.84% APY

American Express Personal Savings

0.75% APY

ING DIRECT: Orange Savings Account

0.80% APY

EverBank

0.91% APY