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New York Savings Rate Trends

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

The best savings rates for Rome, New York and the surrounding area include Access Federal Credit UnionAccess Federal Credit Union230 S James St, Rome, NY 13440A+5.0 ★Texas Ratio: 2.38% Money Market Savings at 1.60% APY, AmeriCU Credit UnionAmeriCU Credit Union1916 Black River Blvd N, Rome, NY 13440 2430A-4.9 ★Texas Ratio: 16.15% Health Savings Accounts at 1.50% APY, NBT BankNBT Bank1148 Erie Blvd W, Rome, NY 13440A+5.0 ★Texas Ratio: 1.76% Health Savings Accounts Tier 4 at 0.30% APY, GPO Federal Credit UnionGPO Federal Credit Union1701 N James St, Rome, NY 13440A+5.0 ★Texas Ratio: 2.06% Loan Payment Share Savings at 0.25% APY, and Rome Federal Credit UnionRome Federal Credit Union937 Seneca St, Rome, NY 13440A-4.9 ★Texas Ratio: 16.07% Savings at 0.25% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.

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

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

Compare the Best Savings Rates in Rome, 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%
230 S James St, Rome, NY 13440
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%
1916 Black River Blvd N, Rome, NY 13440 2430
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%
1916 Black River Blvd N, Rome, NY 13440 2430
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%
1916 Black River Blvd N, Rome, NY 13440 2430
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%
1916 Black River Blvd N, Rome, NY 13440 2430
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%
230 S James St, Rome, NY 13440
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%
1916 Black River Blvd N, Rome, NY 13440 2430
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%
1916 Black River Blvd N, Rome, NY 13440 2430
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%
1148 Erie Blvd W, Rome, NY 13440
Health Savings Accounts Tier 4
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
1701 N James St, Rome, NY 13440
Loan Payment Share 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%
1701 N James St, Rome, NY 13440
Kids' Cash Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Rome Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.07%
937 Seneca St, Rome, NY 13440
Savings
0.25%
$25
Rate0.25%
Min Deposit$25
Min Balance
UpdatedMar 21, 2026
Details

First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
1822 Black River Blvd N, Rome, NY 13440
IRA Share/SEP
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%
1148 Erie Blvd W, Rome, NY 13440
Health Savings Accounts Tier 3
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
1822 Black River Blvd N, Rome, NY 13440
Regular Share
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
1822 Black River Blvd N, Rome, NY 13440
Regular Share Accounts
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Minimum balance to earn dividends

Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
230 S James St, Rome, NY 13440
Money Market Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
230 S James St, Rome, NY 13440
Share Savings, Holiday & Vacation Clubs
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%
1701 N James St, Rome, NY 13440
(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%
1701 N James St, Rome, NY 13440
Share 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%
1701 N James St, Rome, NY 13440
Bright Future 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%
1148 Erie Blvd W, Rome, NY 13440
Health Savings Accounts Tier 2
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Rome Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
924 Turin St, Rome, NY 13440
Regular Shares
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
1148 Erie Blvd W, Rome, NY 13440
Health Savings Accounts Tier 1
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
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%
1916 Black River Blvd N, Rome, NY 13440 2430
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%
1916 Black River Blvd N, Rome, NY 13440 2430
Stars and Stripes Share Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1709 Black River Blvd N, Rome, NY 13440
Loyalty Savings Tier 6
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Rome Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
924 Turin St, Rome, NY 13440
Share Draft Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
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%
1916 Black River Blvd N, Rome, NY 13440 2430
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%
1916 Black River Blvd N, Rome, NY 13440 2430
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%
1916 Black River Blvd N, Rome, NY 13440 2430
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%
1916 Black River Blvd N, Rome, NY 13440 2430
Share Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
1148 Erie Blvd W, Rome, NY 13440
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%
1148 Erie Blvd W, Rome, NY 13440
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%
1148 Erie Blvd W, Rome, NY 13440
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%
1148 Erie Blvd W, Rome, NY 13440
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%
1148 Erie Blvd W, Rome, NY 13440
Statement Savings Account
0.03%
$25
Rate0.03%
Min Deposit$25
Min Balance
UpdatedMar 20, 2026
Details

Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1709 Black River Blvd N, Rome, NY 13440
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%
1709 Black River Blvd N, Rome, NY 13440
Loyalty Savings Tier 4
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1709 Black River Blvd N, Rome, NY 13440
Loyalty Savings Tier 5
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
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%
1148 Erie Blvd W, Rome, NY 13440
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%
1148 Erie Blvd W, Rome, NY 13440
iStrive Savings Account Tier 1
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1709 Black River Blvd N, Rome, NY 13440
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%
1709 Black River Blvd N, Rome, NY 13440
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%
1709 Black River Blvd N, Rome, NY 13440
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%
1709 Black River Blvd N, Rome, NY 13440
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%
1709 Black River Blvd N, Rome, NY 13440
Hometown Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 24, 2026
Details

Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1709 Black River Blvd N, Rome, NY 13440
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%
1709 Black River Blvd N, Rome, NY 13440
Loyalty Savings Tier 2
0.01%
$0
Rate0.01%
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

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-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

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

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

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.

Rome, NY Savings Rate Trends

Compare local Rome, 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 Rome, 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 Rome, 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 Rome, 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 Rome, 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 Rome, 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 Rome, 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 Rome, New York?

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

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

Here are recent savings rates observed in Rome, 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 Tier 4 — 0.30% APY
  • GPO Federal Credit Union
    Loan Payment Share Savings — 0.25% APY
  • Rome Federal Credit Union
    Savings — 0.25% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Rome, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 26, 2026