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New York Savings Rate Trends

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

The best savings rates for Lowville, New York and the surrounding area include Northern Credit UnionNorthern Credit Union5801 Number Four Rd, Lowville, NY 13367 3331A5.0 ★Texas Ratio: 6.98% NEXT eSavings at 5.00% APY, AmeriCU Credit UnionAmeriCU Credit Union7394 Utica Blvd, Lowville, NY 13367A-4.9 ★Texas Ratio: 16.15% Health Savings Accounts at 1.50% APY, Maspeth Federal S&LMaspeth Federal S&L5618 69th St, Maspeth, NY 11378A5.0 ★Texas Ratio: 6.07% Teen Savings at 10.00% APY, N C P DN C P D1490 Franklin Ave, Mineola, NY 11501 4801A+5.0 ★Texas Ratio: 4.12% Youth/Teen/Milestone Savings at 5.09% APY, and Apple Bank for SavingsApple Bank for Savings12 Westchester Sq, Bronx, NY 10461A+5.0 ★Texas Ratio: 1.54% SmartStart Savings for Youth at 5.00% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.

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

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

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

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
5801 Number Four Rd, Lowville, NY 13367 3331
NEXT eSavings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $1,000.00

Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
5801 Number Four Rd, Lowville, NY 13367 3331
High Yield Savings
2.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
5801 Number Four Rd, Lowville, NY 13367 3331
High Yield Savings
1.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
7394 Utica Blvd, Lowville, NY 13367
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%
7394 Utica Blvd, Lowville, NY 13367
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%
7394 Utica Blvd, Lowville, NY 13367
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%
7394 Utica Blvd, Lowville, NY 13367
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%
7394 Utica Blvd, Lowville, NY 13367
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%
7394 Utica Blvd, Lowville, NY 13367
Health Savings Accounts
1.00%
$25
Rate1.00%
Min Deposit$25
Min Balance
UpdatedMar 25, 2026
Details

Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
5801 Number Four Rd, Lowville, NY 13367 3331
High Yield Savings
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
5801 Number Four Rd, Lowville, NY 13367 3331
High Yield Savings
0.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
5801 Number Four Rd, Lowville, NY 13367 3331
Smart S.T.A.R.T. Savings
0.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
5801 Number Four Rd, Lowville, NY 13367 3331
Basic Savings Account NY
0.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
5801 Number Four Rd, Lowville, NY 13367 3331
Christmas and Vacation Club Savings
0.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
5801 Number Four Rd, Lowville, NY 13367 3331
Easy Savings Account NY
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
5801 Number Four Rd, Lowville, NY 13367 3331
Basic Savings Account NY
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
5801 Number Four Rd, Lowville, NY 13367 3331
Christmas and Vacation Club Savings
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
5801 Number Four Rd, Lowville, NY 13367 3331
Smart S.T.A.R.T. Savings
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
5801 Number Four Rd, Lowville, NY 13367 3331
Easy Savings Account NY
0.14%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
5801 Number Four Rd, Lowville, NY 13367 3331
Easy Savings Account NY
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
7394 Utica Blvd, Lowville, NY 13367
Rising Stars 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%
7394 Utica Blvd, Lowville, NY 13367
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%
7394 Utica Blvd, Lowville, NY 13367
Stars and Stripes Share Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
5801 Number Four Rd, Lowville, NY 13367 3331
Basic Savings Account NY
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
5801 Number Four Rd, Lowville, NY 13367 3331
Business Savings Account NY
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
5801 Number Four Rd, Lowville, NY 13367 3331
Christmas and Vacation Club Savings
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
5801 Number Four Rd, Lowville, NY 13367 3331
Smart S.T.A.R.T. Savings
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
7394 Utica Blvd, Lowville, NY 13367
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%
7394 Utica Blvd, Lowville, NY 13367
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%
7394 Utica Blvd, Lowville, NY 13367
Stars and Stripes Share Savings
0.05%
$0
Rate0.05%
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

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

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

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 & 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

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

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

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 Online Savings Account
4.00%
$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 Savings
4.00%
$5,000
Rate3.92%
Min Deposit$5,000
Min Balance
UpdatedMar 25, 2026
Details

**Exclusive online**

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 15, 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

Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
Savings & IRA Savings
3.75%
$25
Rate3.68%
Min Deposit$25
Min Balance
UpdatedMar 28, 2026
Details

Morgan Stanley E-Trade
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
2000 Westchester Ave, Purchase, NY 10577
Premium Savings Account
3.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Boosted Rate: 3.75% for 6 months ($0+)

North Country Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
127 Main St, Canton, NY 13617
NCSB Premium Rewards/ Cashback Rewards Savings- Qualified
3.56%
$50
Rate3.50%
Min Deposit$50
Min Balance
UpdatedMar 28, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
Apple Bank Core Savings Account
3.55%
$0
Rate3.48%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

The First Bank of Greenwich
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
500 Westchester Ave, Port Chester, NY 10573
Pet Savings
3.55%
$0
Rate3.50%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

$0.01 and Up

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
Simple Savings Account Preferred Rate
3.55%
$0
Rate3.48%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Simple Banking Program

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.

Lowville, NY Savings Rate Trends

Compare local Lowville, 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 Lowville, 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 Lowville, 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 Lowville, 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 Lowville, 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 Lowville, 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 Lowville, 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 Lowville, New York?

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

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

Here are recent savings rates observed in Lowville, New York and the surrounding area:
  • Northern Credit Union
    NEXT eSavings — 5.00% APY
  • AmeriCU Credit Union
    Health Savings Accounts — 1.50% APY
  • Maspeth Federal S&L
    Teen Savings — 10.00% APY
  • N C P D
    Youth/Teen/Milestone Savings — 5.09% APY
  • Apple Bank for Savings
    SmartStart Savings for Youth — 5.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Lowville, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026