Albany, New York (NY) Savings Rates - March 2026
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The savings rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
The best savings rates for Albany, New York and the surrounding area include Bank of Greene CountyBank of Greene County103 Wolf Rd, Albany, NY 12205A+5.0 ★Texas Ratio: 2.68% e-BUSINESS SAVINGS at 5.00% APY, BROADVIEWBROADVIEW40 Wolf Rd, Albany, NY 12205A+5.0 ★Texas Ratio: 0.00% High Yield Savings at 3.05% APY, Sunmark Credit UnionSunmark Credit Union113 Holland Ave, Albany, NY 12208A5.0 ★Texas Ratio: 11.71% Savings Accounts at 3.00% APY, Rhinebeck BankRhinebeck Bank100 Great Oaks Blvd, Albany, NY 12203A+5.0 ★Texas Ratio: 4.81% Premier Savings at 2.00% APY, and TrustCo BankTrustCo Bank112 State St, Albany, NY 12207A+5.0 ★Texas Ratio: 3.16% Home Town Savings at 0.95% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Albany, New York, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Albany, New York (NY) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Albany, New York and the surrounding area. Last Updated and Verified: March 25, 2026
Compare the Best Savings Rates in Albany, New York & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
103 Wolf Rd, Albany, NY 12205
e-BUSINESS SAVINGS
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Qualifying balance up to $500.00
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
103 Wolf Rd, Albany, NY 12205
Student e-Next Generation Savings
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Qualifying balance up to $100.00
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
103 Wolf Rd, Albany, NY 12205
e-SAVINGS
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Qualifying balance up to $500.00
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
High Yield Savings
3.05%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Savings Accounts
3.00%
$1
▼
Rate2.96%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
High Yield Savings
2.75%
$0
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
High Yield Savings
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
High Yield Savings
2.25%
$0
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
100 Great Oaks Blvd, Albany, NY 12203
Premier Savings
2.00%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details
Qualifications Required: At least 15 debit card transactions (each a minimum of $1 or more); At least 1 direct deposit or ACH payment transaction; Be enrolled in e-statements; Qualifying balance up to $100,000.00
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
High Yield Savings
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Savings Accounts
1.50%
$1
▼
Rate1.49%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Health Savings Account
1.50%
$1
▼
Rate1.49%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
High Yield Savings
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
High Yield Savings
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY 12207
Home Town Savings
0.95%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY 12207
Home Town Savings
0.91%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY 12207
Home Town Savings
0.80%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY 12205
High Yield Savings
0.75%
$0
▼
Rate0.74%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY 12207
Home Town Savings
0.74%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Washington Avenue Ext, Albany, NY 12205 5581
Traditional & Roth IRA Savings
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Washington Avenue Ext, Albany, NY 12205 5581
Vacation, Holiday, Summer Share Accounts
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Washington Avenue Ext, Albany, NY 12205 5581
Traditional & Roth IRA Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Washington Avenue Ext, Albany, NY 12205 5581
Money Market Checking/Savings Accounts
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Savings Accounts
0.45%
$1
▼
Rate0.45%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Regular IRA Share Savings
0.45%
$1
▼
Rate0.45%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
100 Great Oaks Blvd, Albany, NY 12203
Business Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
100 Great Oaks Blvd, Albany, NY 12203
Classic Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Washington Avenue Ext, Albany, NY 12205 5581
Traditional & Roth IRA Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Washington Avenue Ext, Albany, NY 12205 5581
Money Market Checking/Savings Accounts
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY 12207
Home Town Savings
0.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
100 Great Oaks Blvd, Albany, NY 12203
Business Savings
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
100 Great Oaks Blvd, Albany, NY 12203
Classic Savings
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
80 Wolf Rd, Albany, NY 12205
Health Savings Accounts Tier 4
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY 12207
Home Town Savings
0.30%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
100 Great Oaks Blvd, Albany, NY 12203
Business Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Regular IRA Share Savings
0.20%
$1
▼
Rate0.20%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Savings Accounts
0.20%
$1
▼
Rate0.20%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Youth Savings
0.20%
$1
▼
Rate0.20%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY 12210 2231
Share Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Commercial Savings Plan
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Special Event Savings Plan
0.10%
$1
▼
Rate0.10%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Savings Accounts
0.10%
$1
▼
Rate0.10%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Regular IRA Share Savings
0.10%
$1
▼
Rate0.10%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Holiday Savings Plan
0.10%
$1
▼
Rate0.10%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Directors Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 South Family Drive, Albany, NY 12205
Choice Share Savings
0.10%
$25
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Minimum $ 25.00 to open account. Minimum $ 25.00 average daily balance to earn dividends.
Directors Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 South Family Drive, Albany, NY 12205
Young Saver Choice Share Account
0.10%
$25
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Kids-only savings account, specially designed for members under the age of 12. Minimum $ 25.00 to open account. Minimum $ 25.00 average daily balance to earn dividends.
Directors Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 South Family Drive, Albany, NY 12205
Tax-Free Roth & Education IRA Savings
0.10%
$25
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Minimum $ 25.00 average daily balance to earn dividends.
Directors Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 South Family Drive, Albany, NY 12205
Basic Banking Savings
0.10%
$25
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Minimum $ 25.00 to open account. Minimum 0.01 (1 cent) average daily balance to earn dividends.
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY 12210 2231
Share Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
818 Central Ave, Albany, NY 12206 1543
Share Savings
0.10%
$1
▼
Rate0.10%
Min Deposit$1
Min Balance—
UpdatedMar 23, 2026
Details
Minimum balance of $1 on Primary Share Savings only. Fees may reduce earnings. Rates set monthly. Dividends compounded monthly.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
818 Central Ave, Albany, NY 12206 1543
Primary Share Savings
0.10%
$1
▼
Rate0.10%
Min Deposit$1
Min Balance—
UpdatedMar 23, 2026
Details
Fees may reduce earnings. Rates set monthly. Dividends compounded monthly.
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Membership Savings Plan
0.05%
$1
▼
Rate0.05%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Savings Accounts
0.05%
$1
▼
Rate0.05%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
113 Holland Ave, Albany, NY 12208
Silver Savings Plan
0.05%
$1
▼
Rate0.05%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Albany, NY Savings Rate Trends
Compare local Albany, NY savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — NY Avg
1.261%
▲ 0.383 from last week
New York high-yield savings rates rose 0.383 points this week to 1.261% APY, up from 0.878% last week.
Standard Savings — NY Avg
0.773%
▼ 0.207 from last week
New York standard savings rates fell 0.207 points this week to 0.773% APY, down from 0.980% last week.
As of Mar 26, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Albany, New York directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Albany, New York. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in NY.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Albany, New York
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in New York, help your money grow faster through a higher APY.
Are savings accounts in Albany, New York safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in New York up to $250,000 per depositor, per institution.
How often do savings rates change in Albany, New York?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local New York rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Albany, New York may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Albany, New York?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Albany, New York offer in-person customer service, which some customers prefer.
How do I open a savings account in Albany, New York?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Albany, New York
Here are recent savings rates observed in Albany, New York and the surrounding area:
- Bank of Greene County
e-BUSINESS SAVINGS — 5.00% APY - BROADVIEW
High Yield Savings — 3.05% APY - Sunmark Credit Union
Savings Accounts — 3.00% APY - Rhinebeck Bank
Premier Savings — 2.00% APY - TrustCo Bank
Home Town Savings — 0.95% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Albany, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026
