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New York Savings Rate Trends

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

The best savings rates for Plattsburgh, New York and the surrounding area include North Country Savings BankNorth Country Savings Bank1 Broad Street, Plattsburgh, NY 12901A+5.0 ★Texas Ratio: 2.08% NCSB Premium Rewards/ Cashback Rewards Savings- Qualified at 3.56% APY, Adirondack Regional Federal Credit UnionAdirondack Regional Federal Credit Union672 State Route 3, Plattsburgh, NY 12901A+5.0 ★Texas Ratio: 3.52% High Yield Savings at 1.25% APY, Plattsburgh City School District Federal Credit UnionPlattsburgh City School District Federal Credit Union49 Broad St Ste 101, Plattsburgh, NY 12901 3311A+5.0 ★Texas Ratio: 1.50% Share Savings at 0.45% APY, UFirst Federal Credit UnionUFirst Federal Credit Union274 Rugar St, Plattsburgh, NY 12901A+5.0 ★Texas Ratio: 4.10% Share IRA Accounts at 0.35% APY, and NBT BankNBT Bank482 Route 3, Plattsburgh, NY 12901A+5.0 ★Texas Ratio: 1.76% Health Savings Accounts Tier 4 at 0.30% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.

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

Savings rates reflect recent market quotes and representative offers available to depositors in Plattsburgh, New York and the surrounding area. Last Updated and Verified: March 26, 2026

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

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
North Country Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
1 Broad Street, Plattsburgh, NY 12901
NCSB Premium Rewards/ Cashback Rewards Savings- Qualified
3.56%
$50
Rate3.50%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Adirondack Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
672 State Route 3, Plattsburgh, NY 12901
High Yield Savings
1.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Plattsburgh City School District Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
49 Broad St Ste 101, Plattsburgh, NY 12901 3311
Share Savings
0.45%
$5
Rate0.45%
Min Deposit$5
Min Balance
UpdatedMar 21, 2026
Details

UFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
274 Rugar St, Plattsburgh, NY 12901
Share IRA Accounts
0.35%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
482 Route 3, Plattsburgh, NY 12901
Health Savings Accounts Tier 4
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

UFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
274 Rugar St, Plattsburgh, NY 12901
Share IRA Accounts
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Dannemora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
344 Tom Miller Rd, Plattsburgh, NY 12901
IRA Shares
0.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
482 Route 3, Plattsburgh, NY 12901
Health Savings Accounts Tier 3
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
482 Route 3, Plattsburgh, NY 12901
Health Savings Accounts Tier 2
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

UFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
274 Rugar St, Plattsburgh, NY 12901
Share Savings Account
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
482 Route 3, Plattsburgh, NY 12901
Health Savings Accounts Tier 1
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Adirondack Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
672 State Route 3, Plattsburgh, NY 12901
Regular Shares
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

North Country Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
1 Broad Street, Plattsburgh, NY 12901
Startastic Savings Account
0.05%
$5
Rate0.05%
Min Deposit$5
Min Balance
UpdatedMar 20, 2026
Details

UFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
274 Rugar St, Plattsburgh, NY 12901
Share Savings Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

UFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
274 Rugar St, Plattsburgh, NY 12901
Savings for U
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Dannemora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
344 Tom Miller Rd, Plattsburgh, NY 12901
Regular Share Savings
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Dannemora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
344 Tom Miller Rd, Plattsburgh, NY 12901
Club Share Savings
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
448 Route 3, Plattsburgh, NY 12901
Loyalty Savings Tier 6
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

North Country Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
1 Broad Street, Plattsburgh, NY 12901
Money Market 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%
1 Broad Street, Plattsburgh, NY 12901
Statement Savings Account
0.05%
$50
Rate0.05%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
482 Route 3, Plattsburgh, NY 12901
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

Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
448 Route 3, Plattsburgh, NY 12901
Loyalty Savings Tier 4
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
482 Route 3, Plattsburgh, NY 12901
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%
482 Route 3, Plattsburgh, NY 12901
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%
482 Route 3, Plattsburgh, NY 12901
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%
482 Route 3, Plattsburgh, NY 12901
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%
482 Route 3, Plattsburgh, NY 12901
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%
482 Route 3, Plattsburgh, NY 12901
eSavings Account Tier 1
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Average daily balance $100 < $2,500

Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
448 Route 3, Plattsburgh, NY 12901
Health Savings Account Tier 3
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
448 Route 3, Plattsburgh, NY 12901
Loyalty Savings Tier 5
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
448 Route 3, Plattsburgh, NY 12901
Health Savings Account Tier 2
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
448 Route 3, Plattsburgh, NY 12901
Health Savings Account Tier 1
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
448 Route 3, Plattsburgh, NY 12901
Adirondack Children's Savings
0.01%
$10
Rate0.01%
Min Deposit$10
Min Balance
UpdatedMar 24, 2026
Details

Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
448 Route 3, Plattsburgh, NY 12901
Loyalty Savings Tier 3
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
448 Route 3, Plattsburgh, NY 12901
Loyalty Savings Tier 2
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
448 Route 3, Plattsburgh, NY 12901
Loyalty Savings Tier 1
0.01%
$500
Rate0.01%
Min Deposit$500
Min Balance
UpdatedMar 24, 2026
Details

Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
448 Route 3, Plattsburgh, NY 12901
Hometown Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 24, 2026
Details

UFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
274 Rugar St, Plattsburgh, NY 12901
Share IRA Accounts
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

UFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
274 Rugar St, Plattsburgh, NY 12901
Share Savings Account
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 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

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

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

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 26, 2026
Details

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

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

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

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 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.

Plattsburgh, NY Savings Rate Trends

Compare local Plattsburgh, 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
1.261%
▲ 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 Plattsburgh, 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 Plattsburgh, 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 Plattsburgh, 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 Plattsburgh, 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 Plattsburgh, 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 Plattsburgh, 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 Plattsburgh, New York?

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

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

Here are recent savings rates observed in Plattsburgh, New York and the surrounding area:
  • North Country Savings Bank
    NCSB Premium Rewards/ Cashback Rewards Savings- Qualified — 3.56% APY
  • Adirondack Regional Federal Credit Union
    High Yield Savings — 1.25% APY
  • Plattsburgh City School District Federal Credit Union
    Share Savings — 0.45% APY
  • UFirst Federal Credit Union
    Share IRA Accounts — 0.35% APY
  • NBT Bank
    Health Savings Accounts Tier 4 — 0.30% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Plattsburgh, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 26, 2026