Oneida, 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 Oneida, New York and the surrounding area include Access Federal Credit UnionAccess Federal Credit Union2094 Glenwood Shopping Plz, Oneida, NY 13421 2715A+5.0 ★Texas Ratio: 2.38% Money Market Savings at 1.60% APY, AmeriCU Credit UnionAmeriCU Credit Union280 Genesee St, Oneida, NY 13421 2709A-4.9 ★Texas Ratio: 16.15% Health Savings Accounts at 1.50% APY, NBT BankNBT Bank118 Genesee St, Oneida, NY 13421A+5.0 ★Texas Ratio: 1.76% Health Savings Accounts at 0.30% APY, GPO Federal Credit UnionGPO Federal Credit Union1000 Oneida Plaza Dr, Oneida, NY 13421 2672A+5.0 ★Texas Ratio: 2.06% (HSA) Health Savings Account at 0.25% 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 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Oneida, 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 Oneida, New York (NY) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Oneida, New York and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Oneida, New York & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
2094 Glenwood Shopping Plz, Oneida, NY 13421 2715
Money Market Savings
1.60%
$0
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
280 Genesee St, Oneida, NY 13421 2709
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%
280 Genesee St, Oneida, NY 13421 2709
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%
280 Genesee St, Oneida, NY 13421 2709
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%
280 Genesee St, Oneida, NY 13421 2709
Health Savings Accounts
1.20%
$5,000
▼
Rate1.19%
Min Deposit$5,000
Min Balance—
UpdatedMar 25, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
2094 Glenwood Shopping Plz, Oneida, NY 13421 2715
Money Market Savings
1.15%
$0
▼
Rate1.14%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
280 Genesee St, Oneida, NY 13421 2709
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%
280 Genesee St, Oneida, NY 13421 2709
Health Savings Accounts
1.00%
$25
▼
Rate1.00%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
118 Genesee St, Oneida, NY 13421
Health Savings Accounts
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Tier 4 - Average daily balance $50,000 +
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1000 Oneida Plaza Dr, Oneida, NY 13421 2672
(HSA) Health Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1000 Oneida Plaza Dr, Oneida, NY 13421 2672
Bright Future Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1000 Oneida Plaza Dr, Oneida, NY 13421 2672
Kids' Cash Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1000 Oneida Plaza Dr, Oneida, NY 13421 2672
Loan Payment Share Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
118 Genesee St, Oneida, NY 13421
Health Savings Accounts
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Tier 3 - Average daily balance $25,000 < $50,000
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
2094 Glenwood Shopping Plz, Oneida, NY 13421 2715
Money Market Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1000 Oneida Plaza Dr, Oneida, NY 13421 2672
Share Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
2094 Glenwood Shopping Plz, Oneida, NY 13421 2715
Share Savings, Holiday & Vacation Clubs
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
118 Genesee St, Oneida, NY 13421
Health Savings Accounts
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Tier 2 - Average daily balance $2,500 < $25,000
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
280 Genesee St, Oneida, NY 13421 2709
Share Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
118 Genesee St, Oneida, NY 13421
Health Savings Accounts
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Tier 1 - Average daily balance $0.01 < $2,500
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
280 Genesee St, Oneida, NY 13421 2709
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%
280 Genesee St, Oneida, NY 13421 2709
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%
280 Genesee St, Oneida, NY 13421 2709
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%
280 Genesee St, Oneida, NY 13421 2709
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%
280 Genesee St, Oneida, NY 13421 2709
Share Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
118 Genesee St, Oneida, NY 13421
Statement Savings Account
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Tier 1 - Average daily balance is $25 +
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
118 Genesee St, Oneida, NY 13421
iStrive Savings Account
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
118 Genesee St, Oneida, NY 13421
eSavings Account Tier 3
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Average daily balance is $10,000 +
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
118 Genesee St, Oneida, NY 13421
eSavings Account Tier 2
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Average daily balance $2,500 < $10,000
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
280 Genesee St, Oneida, NY 13421 2709
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%
280 Genesee St, Oneida, NY 13421 2709
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%
280 Genesee St, Oneida, NY 13421 2709
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
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
118 Genesee St, Oneida, NY 13421
eSavings Account Tier 1
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Average daily balance $100 < $2,500
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
280 Genesee St, Oneida, NY 13421 2709
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%
280 Genesee St, Oneida, NY 13421 2709
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%
280 Genesee St, Oneida, NY 13421 2709
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
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
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
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
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 & 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
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 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.
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
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
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 27, 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
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MonitorBankRates
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.
Oneida, NY Savings Rate Trends
Compare local Oneida, 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 Oneida, 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 Oneida, 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 Oneida, 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 Oneida, 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 Oneida, 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 Oneida, 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 Oneida, New York?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Oneida, New York offer in-person customer service, which some customers prefer.
How do I open a savings account in Oneida, 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 Oneida, New York
Here are recent savings rates observed in Oneida, New York and the surrounding area:
- Access Federal Credit Union
Money Market Savings — 1.60% APY - AmeriCU Credit Union
Health Savings Accounts — 1.50% APY - NBT Bank
Health Savings Accounts — 0.30% APY - GPO Federal Credit Union
(HSA) Health Savings Account — 0.25% 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 Oneida, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026
