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New York Savings Rate Trends

Auburn, New York (NY) Savings Rates - March 2026

The best savings rates for Auburn, New York and the surrounding area include AmeriCU Credit UnionAmeriCU Credit Union295 Grant Ave, Auburn, NY 13021A-4.9 ★Texas Ratio: 16.15% Health Savings Accounts at 1.50% APY, Nucor Employees Credit UnionNucor Employees Credit Union25 Quarry Rd, Auburn, NY 13021A+5.0 ★Texas Ratio: 1.73% Shares at 0.20% APY, Auburn Community Federal Credit UnionAuburn Community Federal Credit Union65 WRIGHT CIR, AUBURN, NY 13021 3135A+5.0 ★Texas Ratio: 0.08% Savings Account at 0.15% APY, Chemung Canal Trust CompanyChemung Canal Trust Company120 Genesee St, Auburn, NY 13021A+5.0 ★Texas Ratio: 4.40% Personal Prestige IMMA at 0.10% APY, and Maspeth Federal S&LMaspeth Federal S&L5618 69th St, Maspeth, NY 11378A5.0 ★Texas Ratio: 6.07% Teen Savings at 10.00% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Auburn, 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 Auburn, New York (NY) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Auburn, New York and the surrounding area. Last Updated and Verified: March 28, 2026

Compare the Best Savings Rates in Auburn, New York & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
295 Grant Ave, Auburn, NY 13021
Health Savings Accounts
1.50%
$100,000
Rate1.49%
Min Deposit$100,000
Min Balance
UpdatedMar 25, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
295 Grant Ave, Auburn, NY 13021
Health Savings Accounts
1.40%
$50,000
Rate1.39%
Min Deposit$50,000
Min Balance
UpdatedMar 25, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
295 Grant Ave, Auburn, NY 13021
Health Savings Accounts
1.30%
$10,000
Rate1.29%
Min Deposit$10,000
Min Balance
UpdatedMar 25, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
295 Grant Ave, Auburn, NY 13021
Health Savings Accounts
1.20%
$5,000
Rate1.19%
Min Deposit$5,000
Min Balance
UpdatedMar 25, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
295 Grant Ave, Auburn, NY 13021
Health Savings Accounts
1.10%
$2,500
Rate1.09%
Min Deposit$2,500
Min Balance
UpdatedMar 25, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
295 Grant Ave, Auburn, NY 13021
Health Savings Accounts
1.00%
$25
Rate1.00%
Min Deposit$25
Min Balance
UpdatedMar 25, 2026
Details

Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
25 Quarry Rd, Auburn, NY 13021
Shares
0.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
25 Quarry Rd, Auburn, NY 13021
IRA Shares
0.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
65 WRIGHT CIR, AUBURN, NY 13021 3135
Savings Account
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

$5.00 minimum balance. Substantial penalties for early withdrawal may apply.

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
295 Grant Ave, Auburn, NY 13021
Stars and Stripes Share Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
295 Grant Ave, Auburn, NY 13021
Share Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
295 Grant Ave, Auburn, NY 13021
Rising Stars Share Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
120 Genesee St, Auburn, NY 13021
Personal Prestige IMMA
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
295 Grant Ave, Auburn, NY 13021
Share Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
25 Quarry Rd, Auburn, NY 13021
Share Draft (Checking)
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
25 Quarry Rd, Auburn, NY 13021
Shares
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
120 Genesee St, Auburn, NY 13021
Personal Prestige IMMA
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
295 Grant Ave, Auburn, NY 13021
Rising Stars Share Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
295 Grant Ave, Auburn, NY 13021
Stars and Stripes Share Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
295 Grant Ave, Auburn, NY 13021
Share Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
120 Genesee St, Auburn, NY 13021
Health Savings Account (HSA)
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

> $25,000

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
295 Grant Ave, Auburn, NY 13021
Stars and Stripes Share Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

$0.01 min. balance to open

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
295 Grant Ave, Auburn, NY 13021
Rising Stars Share Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

$0.01 min, balance to open.

Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
120 Genesee St, Auburn, NY 13021
Health Savings Account (HSA)
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

$100 - $1,999

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
295 Grant Ave, Auburn, NY 13021
Stars and Stripes Share Savings
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

For members age 0-12.

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
295 Grant Ave, Auburn, NY 13021
Share Savings
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
295 Grant Ave, Auburn, NY 13021
Rising Stars Share Savings
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

For members age 13-17.

Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
120 Genesee St, Auburn, NY 13021
Health Savings Account (HSA)
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

< $100

Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
120 Genesee St, Auburn, NY 13021
Personal Prestige IMMA
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
Teen Savings
10.00%
$0
Rate9.57%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Qualifying balance up to $6000

SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
341 Englewood Ave, Buffalo, NY 14223 2819
Youth Savings Account
6.17%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $10,000.00

Suffolk Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3681 Horseblock Rd, Medford, NY 11763 2242
Youth Savings
6.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

plus get $25 when balance reaches $1,000

Suffolk Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3681 Horseblock Rd, Medford, NY 11763 2242
Youth Savings Account
6.00%
$0
Rate5.84%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $2,500.00

N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1490 Franklin Ave, Mineola, NY 11501 4801
Youth/Teen/Milestone Savings
5.09%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $1,000.00

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
Accelerate It Savings
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Qualifying balance up to $5,000.00

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
591 E Main St, Bay Shore, NY 11706 8505
Student Savings
5.00%
$0
Rate4.91%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Balances $0.00 - $1,000.00

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
497 Electronics Pkwy, Liverpool, NY 13088 6062
Jump Start Savings
5.00%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $1,000.00

Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
425 Main St, Catskill, NY 12414
Student e-Next Generation Savings
5.00%
$0
Rate4.88%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $100.00

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
Apple Bank SmartStart Savings Account
5.00%
$0
Rate4.88%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $10,000.00

Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
425 Main St, Catskill, NY 12414
e-BUSINESS SAVINGS
5.00%
$0
Rate4.88%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $500.00

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
SmartStart Banking & Savings
5.00%
$0
Rate4.88%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Open a fee-free bank account and a high-yield savings account for teens 13-17.; Earn 5.00% APY1 on savings balances from $1.01 to $10,000

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
SmartStart Savings
5.00%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $10,000

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
SmartStart Savings & Banking
5.00%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $10,000

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
SmartStart Savings for Teens
5.00%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $10,000.00

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
SmartStart Savings for Young Adults
5.00%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $10,000

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
SmartStart Savings for Youth
5.00%
$1
Rate4.88%
Min Deposit$1
Min Balance
UpdatedMar 25, 2026
Details

Apple Bank SmartStart Savings pays 12x the national average2 on balances from $1.01 to $10,000.

Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
120 Motor Pkwy, Hauppauge, NY 11788 5152
High Five Youth Savings Account
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $500.00

Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
425 Main St, Catskill, NY 12414
e-SAVINGS
5.00%
$0
Rate4.88%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $500.00

Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
425 Main St, Catskill, NY 12414
e-BUSINESS SAVINGS
5.00%
$0
Rate4.88%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $500.00

Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
425 Main St, Catskill, NY 12414
Student e-Next Generation Savings
5.00%
$0
Rate4.88%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $100.00

Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
425 Main St, Catskill, NY 12414
e-SAVINGS
5.00%
$0
Rate4.88%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $500.00

Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
75 W 125th St, New York, NY 10027
Money Market Accounts & High Yield Savings
4.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
75 W 125th St, New York, NY 10027
High Yield Online Savings
4.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
Personal High Yield Savings
4.20%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 28, 2026
Details

Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
75 W 125th St, New York, NY 10027
High Yield Savings
4.00%
$5,000
Rate3.92%
Min Deposit$5,000
Min Balance
UpdatedMar 25, 2026
Details

**Exclusive online**

Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
75 W 125th St, New York, NY 10027
High Yield Online Savings Account
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
1377 Motor Pkwy, Islandia, NY 11749
Performance® Savings
3.90%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Sterling Bank and Trust, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
3902 Main St, Flushing, NY 11354
EverBank Performance® Savings
3.90%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

New account APY3; This account is not available to open through our financial centers; it can only be opened online or by calling our client solutions team.

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
5503 8th Ave, Brooklyn, NY 11220
New Year Flexible Savings Account
3.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Terms and Conditions apply.

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
My Reserve Savings Account
3.75%
$0
Rate3.68%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

New Money Only

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.

Auburn, NY Savings Rate Trends

Compare local Auburn, 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.

View Full New York Savings Trends →
High-Yield Savings — NY Avg
1.272%
▼ 0.487 from last week

New York high-yield savings rates fell 0.487 points this week to 1.272% APY, down from 1.760% last week.

Standard Savings — NY Avg
0.810%
▲ 0.167 from last week

New York standard savings rates rose 0.167 points this week to 0.810% APY, up from 0.642% last week.

As of Mar 29, 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 Auburn, 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 Auburn, 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 Auburn, 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 Auburn, 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 Auburn, 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 Auburn, 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 Auburn, New York?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Auburn, New York offer in-person customer service, which some customers prefer.

How do I open a savings account in Auburn, 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 Auburn, New York

Here are recent savings rates observed in Auburn, New York and the surrounding area:
  • AmeriCU Credit Union
    Health Savings Accounts — 1.50% APY
  • Nucor Employees Credit Union
    Shares — 0.20% APY
  • Auburn Community Federal Credit Union
    Savings Account — 0.15% APY
  • Chemung Canal Trust Company
    Personal Prestige IMMA — 0.10% APY
  • Maspeth Federal S&L
    Teen Savings — 10.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Auburn, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026