Massena, 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 Massena, New York and the surrounding area include Northern Credit UnionNorthern Credit Union88 Parker Ave, Massena, NY 13662A5.0 ★Texas Ratio: 6.98% NEXT eSavings at 5.00% APY, North Country Savings BankNorth Country Savings Bank22 Phillips St, Massena, NY 13662A+5.0 ★Texas Ratio: 2.08% NCSB Premium Rewards/ Cashback Rewards Savings- Qualified at 3.56% APY, Massena Savings and LoanMassena Savings and Loan255 Main St, Massena, NY 13662A5.0 ★Texas Ratio: 10.52% IRA Savings at 0.51% APY, NBT BankNBT Bank264 Main St, Massena, NY 13662A+5.0 ★Texas Ratio: 1.76% Health Savings Accounts Tier 4 at 0.30% APY, and Twin Rivers Federal Credit UnionTwin Rivers Federal Credit Union23 Phillips St, Massena, NY 13662A+5.0 ★Texas Ratio: 3.22% Share Account at 0.05% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Massena, 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 Massena, New York (NY) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Massena, New York and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Massena, 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%
88 Parker Ave, Massena, NY 13662
NEXT eSavings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $1,000.00
North Country Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
22 Phillips St, Massena, NY 13662
NCSB Premium Rewards/ Cashback Rewards Savings- Qualified
3.56%
$50
▼
Rate3.50%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
88 Parker Ave, Massena, NY 13662
High Yield Savings
2.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
88 Parker Ave, Massena, NY 13662
High Yield Savings
1.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
88 Parker Ave, Massena, NY 13662
High Yield Savings
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
88 Parker Ave, Massena, NY 13662
High Yield Savings
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
255 Main St, Massena, NY 13662
IRA Savings
0.51%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
264 Main St, Massena, NY 13662
Health Savings Accounts Tier 4
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
264 Main St, Massena, NY 13662
Health Savings Accounts Tier 3
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
88 Parker Ave, Massena, NY 13662
Basic Savings Account NY
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
88 Parker Ave, Massena, NY 13662
Christmas and Vacation Club Savings
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
88 Parker Ave, Massena, NY 13662
Smart S.T.A.R.T. Savings
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
88 Parker Ave, Massena, NY 13662
Easy Savings Account NY
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
88 Parker Ave, Massena, NY 13662
Basic Savings Account NY
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
88 Parker Ave, Massena, NY 13662
Christmas and Vacation Club Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
264 Main St, Massena, NY 13662
Health Savings Accounts Tier 2
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
88 Parker Ave, Massena, NY 13662
Smart S.T.A.R.T. Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
88 Parker Ave, Massena, NY 13662
Easy Savings Account NY
0.14%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
88 Parker Ave, Massena, NY 13662
Basic Savings Account NY
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
88 Parker Ave, Massena, NY 13662
Business Savings Account NY
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
88 Parker Ave, Massena, NY 13662
Christmas and Vacation Club Savings
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
88 Parker Ave, Massena, NY 13662
Easy Savings Account NY
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
88 Parker Ave, Massena, NY 13662
Smart S.T.A.R.T. Savings
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
264 Main St, Massena, NY 13662
Health Savings Accounts Tier 1
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
255 Main St, Massena, NY 13662
Regular Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
North Country Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
22 Phillips St, Massena, NY 13662
Money Market Statement Savings Account
0.05%
$50
▼
Rate0.05%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
88 Parker Ave, Massena, NY 13662
Easy Savings Account NY
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Twin Rivers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
23 Phillips St, Massena, NY 13662
Share Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
North Country Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
22 Phillips St, Massena, NY 13662
Statement Savings Account
0.05%
$50
▼
Rate0.05%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
North Country Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
22 Phillips St, Massena, NY 13662
Startastic Savings Account
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
264 Main St, Massena, NY 13662
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%
264 Main St, Massena, NY 13662
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%
264 Main St, Massena, NY 13662
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%
264 Main St, Massena, NY 13662
eSavings Account Tier 1
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Average daily balance $100 < $2,500
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
264 Main St, Massena, NY 13662
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%
264 Main St, Massena, NY 13662
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%
264 Main St, Massena, NY 13662
eSavings Account Tier 3
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Average daily balance is $10,000 +
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
255 Main St, Massena, NY 13662
Money Market Savings Account
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 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 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
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
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
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
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
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
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
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
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
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
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
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
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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.
Massena, NY Savings Rate Trends
Compare local Massena, 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
1.260%
▼ 0.259 from last week
New York high-yield savings rates fell 0.259 points this week to 1.260% APY, down from 1.519% last week.
Standard Savings — NY Avg
0.762%
▼ 0.286 from last week
New York standard savings rates fell 0.286 points this week to 0.762% APY, down from 1.048% last week.
As of Mar 27, 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 Massena, 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 Massena, 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 Massena, 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 Massena, 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 Massena, 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 Massena, 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 Massena, New York?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Massena, New York offer in-person customer service, which some customers prefer.
How do I open a savings account in Massena, 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 Massena, New York
Here are recent savings rates observed in Massena, New York and the surrounding area:
- Northern Credit Union
NEXT eSavings — 5.00% APY - North Country Savings Bank
NCSB Premium Rewards/ Cashback Rewards Savings- Qualified — 3.56% APY - Massena Savings and Loan
IRA Savings — 0.51% APY - NBT Bank
Health Savings Accounts Tier 4 — 0.30% APY - Twin Rivers Federal Credit Union
Share Account — 0.05% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Massena, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026
