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New York Savings Rate Trends

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

The best savings rates for Liverpool, New York and the surrounding area include General Electric Employees Federal Credit UnionGeneral Electric Employees Federal Credit Union497 Electronics Pkwy, Liverpool, NY 13088 6062A5.0 ★Texas Ratio: 8.21% Jump Start Savings at 5.00% APY, Solvay BankSolvay Bank7421 Oswego Rd, Liverpool, NY 13090A+5.0 ★Texas Ratio: 0.79% Horizon High-Yield Savings Tier 1 at 3.25% APY, AmeriCU Credit UnionAmeriCU Credit Union7474 Oswego Rd, Liverpool, NY 13090A-4.9 ★Texas Ratio: 16.15% Health Savings Accounts at 1.50% APY, Pathfinder BankPathfinder Bank3775 Route 31, Liverpool, NY 13090A5.0 ★Texas Ratio: 12.40% Municipal Savings at 0.50% APY, and Auburn Community Federal Credit UnionAuburn Community Federal Credit Union7538 Oswego Rd, Liverpool, NY 13090 2928A+5.0 ★Texas Ratio: 0.08% Savings Account at 0.15% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.

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

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

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

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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

Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
7421 Oswego Rd, Liverpool, NY 13090
Horizon High-Yield Savings Tier 1
3.25%
$15
Rate3.20%
Min Deposit$15
Min Balance
UpdatedMar 21, 2026
Details

Horizon High-Yield Savings requires a companion Solvay Bank High Interest Checking Account.

Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
7421 Oswego Rd, Liverpool, NY 13090
Horizon High-Yield Savings Account
3.25%
$15
Rate3.20%
Min Deposit$15
Min Balance
UpdatedMar 21, 2026
Details

Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
7421 Oswego Rd, Liverpool, NY 13090
Horizon High-Yield Savings Tier 2
3.25%
$15
Rate3.20%
Min Deposit$15
Min Balance
UpdatedMar 21, 2026
Details

Horizon High-Yield Savings requires a companion Solvay Bank High Interest Checking Account.

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
7474 Oswego Rd, Liverpool, NY 13090
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%
7474 Oswego Rd, Liverpool, NY 13090
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%
7474 Oswego Rd, Liverpool, NY 13090
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%
7474 Oswego Rd, Liverpool, NY 13090
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%
7474 Oswego Rd, Liverpool, NY 13090
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%
7474 Oswego Rd, Liverpool, NY 13090
Health Savings Accounts
1.00%
$25
Rate1.00%
Min Deposit$25
Min Balance
UpdatedMar 25, 2026
Details

Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
3775 Route 31, Liverpool, NY 13090
Municipal Savings
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
3775 Route 31, Liverpool, NY 13090
Health Savings Account
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
3775 Route 31, Liverpool, NY 13090
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%
3775 Route 31, Liverpool, NY 13090
Health Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
3775 Route 31, Liverpool, NY 13090
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%
3775 Route 31, Liverpool, NY 13090
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%
3775 Route 31, Liverpool, NY 13090
Health Savings Account
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
497 Electronics Pkwy, Liverpool, NY 13088 6062
Roth IRA Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Balances $250 and greater

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
497 Electronics Pkwy, Liverpool, NY 13088 6062
IRA Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Balances $250 and greater

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
497 Electronics Pkwy, Liverpool, NY 13088 6062
Coverdell (Education) Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Balances $250 and greater

Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
7538 Oswego Rd, Liverpool, NY 13090 2928
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.

Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
3775 Route 31, Liverpool, NY 13090
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%
3775 Route 31, Liverpool, NY 13090
Business 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%
3775 Route 31, Liverpool, NY 13090
Landlord Tenant Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
7474 Oswego Rd, Liverpool, NY 13090
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%
7474 Oswego Rd, Liverpool, NY 13090
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%
7474 Oswego Rd, Liverpool, NY 13090
Rising Stars Share Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
3775 Route 31, Liverpool, NY 13090
Health Savings Account
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
7421 Oswego Rd, Liverpool, NY 13090
Horizon High-Yield Savings Account
0.10%
$15
Rate0.10%
Min Deposit$15
Min Balance
UpdatedMar 21, 2026
Details

Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
7421 Oswego Rd, Liverpool, NY 13090
Statement Savings
0.10%
$1
Rate0.10%
Min Deposit$1
Min Balance
UpdatedMar 21, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
7474 Oswego Rd, Liverpool, NY 13090
Share Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
497 Electronics Pkwy, Liverpool, NY 13088 6062
Secondary Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Balances $250 and greater

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
497 Electronics Pkwy, Liverpool, NY 13088 6062
Regular Shares
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Balances $250 and greater

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
7474 Oswego Rd, Liverpool, NY 13090
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%
7474 Oswego Rd, Liverpool, NY 13090
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%
7474 Oswego Rd, Liverpool, NY 13090
Share Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
7474 Oswego Rd, Liverpool, NY 13090
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%
7474 Oswego Rd, Liverpool, NY 13090
Rising Stars 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%
7474 Oswego Rd, Liverpool, NY 13090
Rising Stars Share Savings
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

For members age 13-17.

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
7474 Oswego Rd, Liverpool, NY 13090
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%
7474 Oswego Rd, Liverpool, NY 13090
Stars and Stripes Share Savings
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

For members age 0-12.

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

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
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

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
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 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 & 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
5.00%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up 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

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.

Liverpool, NY Savings Rate Trends

Compare local Liverpool, 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 Liverpool, 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 Liverpool, 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 Liverpool, 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 Liverpool, 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 Liverpool, 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 Liverpool, 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 Liverpool, New York?

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

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

Here are recent savings rates observed in Liverpool, New York and the surrounding area:
  • General Electric Employees Federal Credit Union
    Jump Start Savings — 5.00% APY
  • Solvay Bank
    Horizon High-Yield Savings Tier 1 — 3.25% APY
  • AmeriCU Credit Union
    Health Savings Accounts — 1.50% APY
  • Pathfinder Bank
    Municipal Savings — 0.50% APY
  • Auburn Community Federal Credit Union
    Savings Account — 0.15% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Liverpool, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026