Rochester, New York (NY) Savings Rates - March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
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 Rochester, New York and the surrounding area include Family First Of NY Federal Credit UnionFamily First Of NY Federal Credit Union2520 Browncroft Blvd, Rochester, NY 14625A+5.0 ★Texas Ratio: 3.73% Companion Savings at 5.00% APY, Ukrainian Federal Credit UnionUkrainian Federal Credit Union824 E Ridge Rd, Rochester, NY 14621A5.0 ★Texas Ratio: 10.45% Personal Share Draft at 4.00% APY, Advantage Federal Credit Union FCUAdvantage Federal Credit Union FCU225 W Broad St, Rochester, NY 14608A+5.0 ★Texas Ratio: 3.10% Youth Savings at 3.03% APY, ESLESL100 Canal View Blvd, Rochester, NY 14623A+5.0 ★Texas Ratio: 0.59% Tiered Savings at 2.10% APY, and Alternatives Federal Credit UnionAlternatives Federal Credit Union1275 Lexington Ave, Rochester, NY 14606C3.9 ★Texas Ratio: 28.69% IRA Savings at 0.75% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Rochester, 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 Rochester, New York (NY) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Rochester, New York and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Rochester, New York & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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
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
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
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
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
225 W Broad St, Rochester, NY 14608
Youth Savings
3.03%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifying balance up to $10,000.00
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
225 W Broad St, Rochester, NY 14608
Round-Up Savings
3.03%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
225 W Broad St, Rochester, NY 14608
Round-Up Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
ESL
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
100 Canal View Blvd, Rochester, NY 14623
Tiered Savings
2.10%
$10,000
▼
Rate2.08%
Min Deposit$10,000
Min Balance—
UpdatedMar 26, 2026
Details
ESL
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
100 Canal View Blvd, Rochester, NY 14623
Tiered Savings
1.80%
$10,000
▼
Rate1.78%
Min Deposit$10,000
Min Balance—
UpdatedMar 26, 2026
Details
ESL
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
100 Canal View Blvd, Rochester, NY 14623
Tiered Savings
1.45%
$10,000
▼
Rate1.44%
Min Deposit$10,000
Min Balance—
UpdatedMar 26, 2026
Details
ESL
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
100 Canal View Blvd, Rochester, NY 14623
Tiered Savings
1.20%
$10,000
▼
Rate1.19%
Min Deposit$10,000
Min Balance—
UpdatedMar 26, 2026
Details
ESL
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
100 Canal View Blvd, Rochester, NY 14623
Tiered Savings
1.00%
$10,000
▼
Rate0.99%
Min Deposit$10,000
Min Balance—
UpdatedMar 26, 2026
Details
Alternatives Federal Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.69%
1275 Lexington Ave, Rochester, NY 14606
IRA Savings
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY 14626 5104
Health Savings Account
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY 14621
High Dividend Share Draft
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
225 W Broad St, Rochester, NY 14608
IRA Shares
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY 14626 5104
Health Savings Account
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
2118 Hudson Ave, Rochester, NY 14617
Health Savings Accounts
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Tier 4 - Average daily balance $50,000 +
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
2118 Hudson Ave, Rochester, NY 14617
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
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY 14626 5104
RoundUp Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Alternatives Federal Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.69%
1275 Lexington Ave, Rochester, NY 14606
Student Credit Union Youth Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Ever $ Green Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
2215 E Henrietta Rd, Rochester, NY 14623
Club Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY 14626 5104
Health Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
2118 Hudson Ave, Rochester, NY 14617
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
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
2118 Hudson Ave, Rochester, NY 14617
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
Rochester & Monroe County Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
460 N Goodman St, Rochester, NY 14609 6135
Share/Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
ESL
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
100 Canal View Blvd, Rochester, NY 14623
Business Savings Account
0.05%
$1
▼
Rate0.05%
Min Deposit$1
Min Balance—
UpdatedMar 26, 2026
Details
ESL
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
100 Canal View Blvd, Rochester, NY 14623
First-Time Homebuyer Savings Account
0.05%
$1
▼
Rate0.05%
Min Deposit$1
Min Balance—
UpdatedMar 26, 2026
Details
ESL
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
100 Canal View Blvd, Rochester, NY 14623
Health Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY 14621
IRA (Traditional, ROTH, & Coverdell) Shares
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
2998 Chili Ave, Rochester, NY 14624 4537
IRA Share
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1425 Jefferson Rd, Rochester, NY 14623
Traditional Savings
0.05%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 27, 2026
Details
Alternatives Federal Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.69%
1275 Lexington Ave, Rochester, NY 14606
Checking/Share Draft
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Ever $ Green Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.93%
2215 E Henrietta Rd, Rochester, NY 14623
Savings (Share)
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Alternatives Federal Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.69%
1275 Lexington Ave, Rochester, NY 14606
Regular Share Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Alternatives Federal Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.69%
1275 Lexington Ave, Rochester, NY 14606
Share Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1795 English Rd, Rochester, NY 14616
Regular Share & Club Accounts
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
2998 Chili Ave, Rochester, NY 14624 4537
Share (savings)
0.04%
$0
▼
Rate0.04%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
2118 Hudson Ave, Rochester, NY 14617
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%
2118 Hudson Ave, Rochester, NY 14617
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%
2118 Hudson Ave, Rochester, NY 14617
eSavings Account Tier 3
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Average daily balance is $10,000 +
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY 14621
Regular Savings
0.03%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
2118 Hudson Ave, Rochester, NY 14617
eSavings Account Tier 1
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Average daily balance $100 < $2,500
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
824 E Ridge Rd, Rochester, NY 14621
Regular Shares
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%
2118 Hudson Ave, Rochester, NY 14617
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
Northwest Bank Warren, PA
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
860 Long Pond Rd, Rochester, NY 14612
Statement Savings
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Gates Chili Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2870 Buffalo Rd, Rochester, NY 14624 1340
Savings
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
100 MARINA DR, ROCHESTER, NY 14626 5104
Automatic Loan Payment Share
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 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 27, 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
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
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
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
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
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
Powered by
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.
Rochester, NY Savings Rate Trends
Compare local Rochester, 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%
▼ 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 Rochester, 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 Rochester, 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 Rochester, 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 Rochester, 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 Rochester, 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 Rochester, 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 Rochester, New York?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Rochester, New York offer in-person customer service, which some customers prefer.
How do I open a savings account in Rochester, 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 Rochester, New York
Here are recent savings rates observed in Rochester, New York and the surrounding area:
- Family First Of NY Federal Credit Union
Companion Savings — 5.00% APY - Ukrainian Federal Credit Union
Personal Share Draft — 4.00% APY - Advantage Federal Credit Union FCU
Youth Savings — 3.03% APY - ESL
Tiered Savings — 2.10% APY - Alternatives Federal Credit Union
IRA Savings — 0.75% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Rochester, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026
