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New York Savings Rate Trends

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

The best savings rates for Cohoes, New York and the surrounding area include BROADVIEWBROADVIEW219 Ontario St, Cohoes, NY 12047A+5.0 ★Texas Ratio: 0.00% High Yield Savings at 3.05% APY, Hudson River Community Credit UnionHudson River Community Credit Union35 Niver St, Cohoes, NY 12047A5.0 ★Texas Ratio: 6.24% IRA Savings Account at 1.50% APY, Pioneer Bank Albany, NYPioneer Bank Albany, NY100 Mohawk St, Cohoes, NY 12047A5.0 ★Texas Ratio: 6.71% Passbook Savings at 0.03% APY, Maspeth Federal S&LMaspeth Federal S&L5618 69th St, Maspeth, NY 11378A5.0 ★Texas Ratio: 6.07% Teen Savings at 10.00% APY, and SJP Federal Credit UnionSJP Federal Credit Union341 Englewood Ave, Buffalo, NY 14223 2819A5.0 ★Texas Ratio: 10.45% Youth Savings Account at 6.17% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.

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

Savings rates reflect recent market quotes and representative offers available to depositors in Cohoes, New York and the surrounding area. Last Updated and Verified: March 27, 2026

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

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
219 Ontario St, Cohoes, NY 12047
High Yield Savings
3.05%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
219 Ontario St, Cohoes, NY 12047
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%
219 Ontario St, Cohoes, NY 12047
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%
219 Ontario St, Cohoes, NY 12047
High Yield Savings
2.25%
$0
Rate2.22%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
219 Ontario St, Cohoes, NY 12047
High Yield Savings
1.90%
$0
Rate1.88%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
35 Niver St, Cohoes, NY 12047
IRA Savings Account
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
35 Niver St, Cohoes, NY 12047
IRA Savings
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
219 Ontario St, Cohoes, NY 12047
High Yield Savings
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
35 Niver St, Cohoes, NY 12047
IRA Savings Account
1.25%
$0
Rate1.24%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
35 Niver St, Cohoes, NY 12047
IRA Savings
1.25%
$0
Rate1.24%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
219 Ontario St, Cohoes, NY 12047
High Yield Savings
1.00%
$0
Rate0.99%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
35 Niver St, Cohoes, NY 12047
IRA Savings Account
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
35 Niver St, Cohoes, NY 12047
IRA Savings
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
219 Ontario St, Cohoes, NY 12047
High Yield Savings
0.75%
$0
Rate0.74%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
219 Ontario St, Cohoes, NY 12047
Choice Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
219 Ontario St, Cohoes, NY 12047
Health Savings Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
219 Ontario St, Cohoes, NY 12047
Business Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
219 Ontario St, Cohoes, NY 12047
High Yield Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
219 Ontario St, Cohoes, NY 12047
Primary and Youth Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
35 Niver St, Cohoes, NY 12047
Prime Savings Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
35 Niver St, Cohoes, NY 12047
Youth Savings Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
35 Niver St, Cohoes, NY 12047
UTMA Savings Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
35 Niver St, Cohoes, NY 12047
Universal Savings Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
35 Niver St, Cohoes, NY 12047
Prime Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Pioneer Bank Albany, NY
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
100 Mohawk St, Cohoes, NY 12047
Passbook Savings
0.03%
$50
Rate0.03%
Min Deposit$50
Min Balance
UpdatedMar 21, 2026
Details

Minimum opening deposit - $50

Pioneer Bank Albany, NY
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
100 Mohawk St, Cohoes, NY 12047
Statement Savings
0.03%
$25
Rate0.03%
Min Deposit$25
Min Balance
UpdatedMar 21, 2026
Details

Minimum opening deposit - $25

Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
35 Niver St, Cohoes, NY 12047
Prime Savings
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
35 Niver St, Cohoes, NY 12047
Prime Savings Account
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
35 Niver St, Cohoes, NY 12047
IRA Savings Account
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
35 Niver St, Cohoes, NY 12047
IRA Savings
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
35 Niver St, Cohoes, NY 12047
Universal Savings Account
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 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 21, 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 15, 2026
Details

Earn a great rate, plus get $25 when balance reaches $1,000.

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 27, 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

Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
2520 Browncroft Blvd, Rochester, NY 14625
Companion Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Qualifying balance up to $10,000

Ocean Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.70%
45 Atlantic Ave, Oceanside, NY 11572 2035
Youth & Young Adult Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Qualifying balance up to $1,000.00

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

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 27, 2026
Details

Qualifying balance up to $1,000.00

Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
2520 Browncroft Blvd, Rochester, NY 14625
Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Metro Realtors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
535 Broadhollow Rd Ste A4, Melville, NY 11747
Smarts Starts Early Youth Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

UP TO AGE 21

Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
138 Factory St, Watertown, NY 13601 1958
NEXT eSavings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Qualifying balance up to $1,000.00

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

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

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 21, 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
e-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%
425 Main St, Catskill, NY 12414
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

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 21, 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 21, 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
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

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

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 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.

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

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY 10007 1823
FREEDOM DIRECT SAVINGS
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Direct Deposit to a new or existing Justice Federal Checking Account.

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY 14621
High Dividend Share Draft
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $25,000.00

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY 14621
Personal Share Draft
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $25,000.00

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.

Cohoes, NY Savings Rate Trends

Compare local Cohoes, 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
1.260%
▼ 1.252 from last week

New York high-yield savings rates fell 1.252 points this week to 1.260% APY, down from 2.512% last week.

Standard Savings — NY Avg
0.807%
▼ 0.362 from last week

New York standard savings rates fell 0.362 points this week to 0.807% APY, down from 1.170% last week.

As of Mar 28, 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 Cohoes, 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 Cohoes, 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 Cohoes, 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 Cohoes, 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 Cohoes, 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 Cohoes, 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 Cohoes, New York?

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

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

Here are recent savings rates observed in Cohoes, New York and the surrounding area:
  • BROADVIEW
    High Yield Savings — 3.05% APY
  • Hudson River Community Credit Union
    IRA Savings Account — 1.50% APY
  • Pioneer Bank Albany, NY
    Passbook Savings — 0.03% APY
  • Maspeth Federal S&L
    Teen Savings — 10.00% APY
  • SJP Federal Credit Union
    Youth Savings Account — 6.17% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Cohoes, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026