Saratoga Springs, New York (NY) Savings Rates - April 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 Saratoga Springs, New York and the surrounding area include BROADVIEWBROADVIEW815 N Broadway, Saratoga Springs, NY 12866 1632A+5.0 ★Texas Ratio: 0.00% High Yield Savings at 3.05% APY, Sunmark Credit UnionSunmark Credit Union3090 Route 50, Saratoga Springs, NY 12866A5.0 ★Texas Ratio: 11.71% Savings Accounts at 3.00% APY, FNB of ScotiaFNB of Scotia3013 Route 50, Saratoga Springs, NY 12866A5.0 ★Texas Ratio: 8.63% 1 Year Variable Rate IRA Savings at 1.03% APY, Adirondack Trust CompanyAdirondack Trust Company473 Broadway, Saratoga Springs, NY 12866A+5.0 ★Texas Ratio: 2.27% Health Savings Account at 1.00% APY, and TrustCo BankTrustCo Bank3065 Route 50, Saratoga Springs, NY 12866A+5.0 ★Texas Ratio: 3.16% Home Town Savings at 0.95% APY. Savings rates as of April 4, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Saratoga Springs, 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 Saratoga Springs, New York (NY) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Saratoga Springs, New York and the surrounding area. Last Updated and Verified: April 4, 2026
Compare the Best Savings Rates in Saratoga Springs, New York & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
815 N Broadway, Saratoga Springs, NY 12866 1632
High Yield Savings
3.05%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
3090 Route 50, Saratoga Springs, NY 12866
Savings Accounts
3.00%
$1
▼
Rate2.96%
Min Deposit$1
Min Balance—
UpdatedMar 28, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
815 N Broadway, Saratoga Springs, NY 12866 1632
High Yield Savings
2.75%
$0
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
815 N Broadway, Saratoga Springs, NY 12866 1632
High Yield Savings
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
815 N Broadway, Saratoga Springs, NY 12866 1632
High Yield Savings
2.25%
$0
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
815 N Broadway, Saratoga Springs, NY 12866 1632
High Yield Savings
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
3090 Route 50, Saratoga Springs, NY 12866
Savings Accounts
1.50%
$1
▼
Rate1.49%
Min Deposit$1
Min Balance—
UpdatedMar 28, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
3090 Route 50, Saratoga Springs, NY 12866
Health Savings Account
1.50%
$1
▼
Rate1.49%
Min Deposit$1
Min Balance—
UpdatedMar 28, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
815 N Broadway, Saratoga Springs, NY 12866 1632
High Yield Savings
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
3013 Route 50, Saratoga Springs, NY 12866
1 Year Variable Rate IRA Savings
1.03%
$50
▼
Rate1.03%
Min Deposit$50
Min Balance—
UpdatedApr 3, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
815 N Broadway, Saratoga Springs, NY 12866 1632
High Yield Savings
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
473 Broadway, Saratoga Springs, NY 12866
Health Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
3065 Route 50, Saratoga Springs, NY 12866
Home Town Savings
0.95%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Qualifying balance up to $250,000 and above
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
3065 Route 50, Saratoga Springs, NY 12866
Home Town Savings
0.91%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Qualifying balance up to $249,999.99
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
3065 Route 50, Saratoga Springs, NY 12866
Home Town Savings
0.80%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Qualifying balance up to $99,999.99
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
815 N Broadway, Saratoga Springs, NY 12866 1632
High Yield Savings
0.75%
$0
▼
Rate0.74%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
3065 Route 50, Saratoga Springs, NY 12866
Home Town Savings
0.74%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Qualifying balance up to $49,999.99
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
3013 Route 50, Saratoga Springs, NY 12866
Health Savings Accounts
0.61%
$0
▼
Rate0.61%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
$10,000 and over
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
3090 Route 50, Saratoga Springs, NY 12866
Regular IRA Share Savings
0.45%
$1
▼
Rate0.45%
Min Deposit$1
Min Balance—
UpdatedMar 28, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
3090 Route 50, Saratoga Springs, NY 12866
Savings Accounts
0.45%
$1
▼
Rate0.45%
Min Deposit$1
Min Balance—
UpdatedMar 28, 2026
Details
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
3013 Route 50, Saratoga Springs, NY 12866
Health Savings Accounts
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
$2,500 to $9,999
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
3065 Route 50, Saratoga Springs, NY 12866
Home Town Savings
0.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Qualifying balance up to $250,000 and above
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
295 Broadway, Saratoga Springs, NY 12866
Health Savings Accounts
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Tier 4 - Average daily balance $50,000 +
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
3065 Route 50, Saratoga Springs, NY 12866
Home Town Savings
0.30%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Qualifying balance up to $249,999.99
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
295 Broadway, Saratoga Springs, NY 12866
Health Savings Accounts
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Tier 3 - Average daily balance $25,000 < $50,000
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
3013 Route 50, Saratoga Springs, NY 12866
Day of Deposit Savings
0.20%
$25
▼
Rate0.20%
Min Deposit$25
Min Balance—
UpdatedApr 3, 2026
Details
minimum $50 average daily balance required to earn interest
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
3090 Route 50, Saratoga Springs, NY 12866
Regular IRA Share Savings
0.20%
$1
▼
Rate0.20%
Min Deposit$1
Min Balance—
UpdatedMar 28, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
3090 Route 50, Saratoga Springs, NY 12866
Savings Accounts
0.20%
$1
▼
Rate0.20%
Min Deposit$1
Min Balance—
UpdatedMar 28, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
3090 Route 50, Saratoga Springs, NY 12866
Youth Savings
0.20%
$1
▼
Rate0.20%
Min Deposit$1
Min Balance—
UpdatedMar 28, 2026
Details
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
3013 Route 50, Saratoga Springs, NY 12866
Health Savings Accounts
0.17%
$0
▼
Rate0.17%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
$500 to $2,499
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
3065 Route 50, Saratoga Springs, NY 12866
Home Town Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Qualifying balance up to $99,999.99
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
295 Broadway, Saratoga Springs, NY 12866
Health Savings Accounts
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Tier 2 - Average daily balance $2,500 < $25,000
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
424 Maple Ave, Saratoga Springs, NY 12866 5506
Share Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Minimum balance of $1 on Primary Share Savings only. Fees may reduce earnings. Rates set monthly. Dividends compounded monthly.
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
3090 Route 50, Saratoga Springs, NY 12866
Holiday Savings Plan
0.10%
$1
▼
Rate0.10%
Min Deposit$1
Min Balance—
UpdatedMar 28, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
3090 Route 50, Saratoga Springs, NY 12866
Regular IRA Share Savings
0.10%
$1
▼
Rate0.10%
Min Deposit$1
Min Balance—
UpdatedMar 28, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
3090 Route 50, Saratoga Springs, NY 12866
Savings Accounts
0.10%
$1
▼
Rate0.10%
Min Deposit$1
Min Balance—
UpdatedMar 28, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
3090 Route 50, Saratoga Springs, NY 12866
Special Event Savings Plan
0.10%
$1
▼
Rate0.10%
Min Deposit$1
Min Balance—
UpdatedMar 28, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
3090 Route 50, Saratoga Springs, NY 12866
Commercial Savings Plan
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
424 Maple Ave, Saratoga Springs, NY 12866 5506
Primary Share Savings
0.10%
$1
▼
Rate0.10%
Min Deposit$1
Min Balance—
UpdatedApr 4, 2026
Details
Fees may reduce earnings. Rates set monthly. Dividends compounded monthly.
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
815 N Broadway, Saratoga Springs, NY 12866 1632
Health Savings Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
815 N Broadway, Saratoga Springs, NY 12866 1632
Choice Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
815 N Broadway, Saratoga Springs, NY 12866 1632
Business Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
3013 Route 50, Saratoga Springs, NY 12866
Health Savings Accounts
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Below $500
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
3057 Route 50, Saratoga Springs, NY 12866
Personal Prestige IMMA
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%
295 Broadway, Saratoga Springs, NY 12866
Health Savings Accounts
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Tier 1 - Average daily balance $0.01 < $2,500
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
3090 Route 50, Saratoga Springs, NY 12866
Membership Savings Plan
0.05%
$1
▼
Rate0.05%
Min Deposit$1
Min Balance—
UpdatedMar 28, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
3090 Route 50, Saratoga Springs, NY 12866
Savings Accounts
0.05%
$1
▼
Rate0.05%
Min Deposit$1
Min Balance—
UpdatedMar 28, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
3090 Route 50, Saratoga Springs, NY 12866
Silver Savings Plan
0.05%
$1
▼
Rate0.05%
Min Deposit$1
Min Balance—
UpdatedMar 28, 2026
Details
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 28, 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 28, 2026
Details
plus get $25 when balance reaches $1,000
Suffolk Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3681 Horseblock Rd, Medford, NY 11763 2242
Youth Savings Account
6.00%
$0
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $2,500.00
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 29, 2026
Details
Qualifying balance up to $5,000.00
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
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 28, 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—
UpdatedApr 2, 2026
Details
Qualifying balance up to $500.00
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 28, 2026
Details
Qualifying balance up to $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
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
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 28, 2026
Details
UP TO AGE 21
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 28, 2026
Details
Qualifying balance up to $1,000.00
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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.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, New York?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Saratoga Springs, New York offer in-person customer service, which some customers prefer.
How do I open a savings account in Saratoga Springs, 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 Saratoga Springs, New York
Here are recent savings rates observed in Saratoga Springs, New York and the surrounding area:
- BROADVIEW
High Yield Savings — 3.05% APY - Sunmark Credit Union
Savings Accounts — 3.00% APY - FNB of Scotia
1 Year Variable Rate IRA Savings — 1.03% APY - Adirondack Trust Company
Health Savings Account — 1.00% APY - TrustCo Bank
Home Town Savings — 0.95% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Saratoga Springs, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 4, 2026
Saratoga Springs, New York Rates & Resources
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