Fulton, 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 Fulton, New York and the surrounding area include Pathfinder BankPathfinder Bank5 W 1st St S, Fulton, NY 13069A5.0 ★Texas Ratio: 12.40% Municipal Savings at 0.50% APY, NBT BankNBT BankRoute 3 West, Fulton, NY 13069A+5.0 ★Texas Ratio: 1.76% Health Savings Accounts Tier 4 at 0.30% APY, Compass Federal Credit UnionCompass Federal Credit Union208 N 2nd St, Fulton, NY 13069A+5.0 ★Texas Ratio: 2.71% Christmas Savings at 0.25% APY, Fulton Savings BankFulton Savings Bank75 S 1st St, Fulton, NY 13069A+5.0 ★Texas Ratio: 1.68% Passbook and Statement Savings Accounts at 0.05% 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 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Fulton, 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 Fulton, New York (NY) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Fulton, New York and the surrounding area. Last Updated and Verified: March 25, 2026
Compare the Best Savings Rates in Fulton, New York & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
5 W 1st St S, Fulton, NY 13069
Municipal Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Route 3 West, Fulton, NY 13069
Health Savings Accounts Tier 4
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
5 W 1st St S, Fulton, NY 13069
Health Savings Account
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Route 3 West, Fulton, NY 13069
Health Savings Accounts Tier 3
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
5 W 1st St S, Fulton, NY 13069
Business Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
5 W 1st St S, Fulton, NY 13069
Health Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
208 N 2nd St, Fulton, NY 13069
Christmas Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
208 N 2nd St, Fulton, NY 13069
Regular Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
208 N 2nd St, Fulton, NY 13069
Special Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
5 W 1st St S, Fulton, NY 13069
Business Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
5 W 1st St S, Fulton, NY 13069
Health Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
5 W 1st St S, Fulton, NY 13069
Landlord Tenant Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
5 W 1st St S, Fulton, NY 13069
Statement Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
5 W 1st St S, Fulton, NY 13069
Business Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Route 3 West, Fulton, NY 13069
Health Savings Accounts Tier 2
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
5 W 1st St S, Fulton, NY 13069
Health Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Route 3 West, Fulton, NY 13069
Health Savings Accounts Tier 1
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
5 W 1st St S, Fulton, NY 13069
Health Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Fulton Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
75 S 1st St, Fulton, NY 13069
Passbook and Statement Savings Accounts
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
*+
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Route 3 West, Fulton, NY 13069
Statement Savings Account
0.03%
$25
▼
Rate0.03%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Route 3 West, Fulton, NY 13069
eSavings Account Tier 3
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Average daily balance is $10,000 +
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Route 3 West, Fulton, NY 13069
iStrive Savings Account Tier 3
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Route 3 West, Fulton, NY 13069
iStrive Savings Account Tier 2
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Route 3 West, Fulton, NY 13069
iStrive Savings Account Tier 1
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Route 3 West, Fulton, NY 13069
eSavings Account Tier 2
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Average daily balance $2,500 < $10,000
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Route 3 West, Fulton, NY 13069
eSavings Account Tier 1
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Average daily balance $100 < $2,500
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 20, 2026
Details
Qualifying balance up to $6000.00
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.
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
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 15, 2026
Details
Qualifying balance up to $1,000.00
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
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 18, 2026
Details
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 18, 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
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
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 21, 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
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
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
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%
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
e-BUSINESS SAVINGS
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Qualifying balance up to $500.00
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 20, 2026
Details
when you add 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
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
2500 Westchester Ave, Purchase, NY 10577 2587
HighMarq Savings
3.75%
$0
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
APY and rate may change after account is opened and any fees could reduce earnings. There is no minimum balance to open or maintain HighMarq Savings. The minimum average daily balance to earn the advertised APY is $10,000. There are no monthly fees as long as you register for and maintain e-Statements. If you choose to receive paper statements, there will be a $10 monthly fee.
New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
726 Broadway Ste 110, New York, NY 10003 9616
High-Yield Savings
3.70%
$0
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
215 Park Row, New York, NY 10038
12 Mo Share Cert
3.56%
$500
▼
Rate0.00%
Min Deposit$500
Min Balance—
UpdatedMar 24, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
215 Park Row, New York, NY 10038
24 Mo Share Cert
3.56%
$500
▼
Rate0.00%
Min Deposit$500
Min Balance—
UpdatedMar 24, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
2500 Westchester Ave, Purchase, NY 10577 2587
HighQ Savings
3.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
2500 Westchester Ave, Purchase, NY 10577 2587
QUORUM HIGHQ SAVINGS
3.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
215 Park Row, New York, NY 10038
36 Mo Share Cert
3.30%
$500
▼
Rate0.00%
Min Deposit$500
Min Balance—
UpdatedMar 24, 2026
Details
Affinity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
35 Bardonia Rd, Bardonia, NY 10954
Performance Savings
3.25%
$5
▼
Rate3.20%
Min Deposit$5
Min Balance—
UpdatedMar 24, 2026
Details
Qualifications Required
Palisades Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.50%
1 Blue Hill Plz, Pearl River, NY 10965 3104
High-Yield Business Savings
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
264 E Merrick Rd, Valley Stream, NY 11580 6034
Online Savings
3.20%
$11
▼
Rate3.15%
Min Deposit$11
Min Balance—
UpdatedMar 20, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
108 2nd Ave, New York, NY 10003 8302
High Yield Savings
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
110 John Muir Dr, Amherst, NY 14228 1148
High Yield Savings
3.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
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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.
Fulton, NY Savings Rate Trends
Compare local Fulton, 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 Fulton, 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 Fulton, 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 Fulton, 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 Fulton, 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 Fulton, 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 Fulton, 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 Fulton, New York?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Fulton, New York offer in-person customer service, which some customers prefer.
How do I open a savings account in Fulton, 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 Fulton, New York
Here are recent savings rates observed in Fulton, New York and the surrounding area:
- Pathfinder Bank
Municipal Savings — 0.50% APY - NBT Bank
Health Savings Accounts Tier 4 — 0.30% APY - Compass Federal Credit Union
Christmas Savings — 0.25% APY - Fulton Savings Bank
Passbook and Statement Savings Accounts — 0.05% 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 Fulton, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026
