Syracuse, 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 Syracuse, New York and the surrounding area include Ukrainian Federal Credit UnionUkrainian Federal Credit Union211 Tompkins St, Syracuse, NY 13204A5.0 ★Texas Ratio: 10.45% High Dividend Share Draft at 4.00% APY, Solvay BankSolvay Bank109 S Warren St, Syracuse, NY 13202A+5.0 ★Texas Ratio: 0.79% Horizon High-Yield Savings Tier 1 at 3.25% APY, BROADVIEWBROADVIEW401 S Salina St, Syracuse, NY 13202 2584A+5.0 ★Texas Ratio: 0.00% High Yield Savings at 3.05% APY, AmeriCU Credit UnionAmeriCU Credit Union200 Walton St, Syracuse, NY 13202 1227A-4.9 ★Texas Ratio: 16.15% Health Savings Accounts at 1.50% APY, and Syracuse Cooperative Federal Credit UnionSyracuse Cooperative Federal Credit Union800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513F2.9 ★Texas Ratio: 40.19% IRA Shares at 1.00% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Syracuse, 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 Syracuse, New York (NY) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Syracuse, New York and the surrounding area. Last Updated and Verified: March 26, 2026
Compare the Best Savings Rates in Syracuse, New York & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
211 Tompkins St, Syracuse, NY 13204
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%
211 Tompkins St, Syracuse, NY 13204
Personal Share Draft
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifying balance up to $25,000.00
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
109 S Warren St, Syracuse, NY 13202
Horizon High-Yield Savings Tier 1
3.25%
$15
▼
Rate3.20%
Min Deposit$15
Min Balance—
UpdatedMar 21, 2026
Details
Horizon High-Yield Savings requires a companion Solvay Bank High Interest Checking Account.
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
109 S Warren St, Syracuse, NY 13202
Horizon High-Yield Savings Account
3.25%
$15
▼
Rate3.20%
Min Deposit$15
Min Balance—
UpdatedMar 21, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
109 S Warren St, Syracuse, NY 13202
Horizon High-Yield Savings Tier 2
3.25%
$15
▼
Rate3.20%
Min Deposit$15
Min Balance—
UpdatedMar 21, 2026
Details
Horizon High-Yield Savings requires a companion Solvay Bank High Interest Checking Account.
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
401 S Salina St, Syracuse, NY 13202 2584
High Yield Savings
3.05%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
401 S Salina St, Syracuse, NY 13202 2584
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%
401 S Salina St, Syracuse, NY 13202 2584
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%
401 S Salina St, Syracuse, NY 13202 2584
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%
401 S Salina St, Syracuse, NY 13202 2584
High Yield Savings
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
200 Walton St, Syracuse, NY 13202 1227
Health Savings Accounts
1.50%
$100,000
▼
Rate1.49%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
401 S Salina St, Syracuse, NY 13202 2584
High Yield Savings
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
200 Walton St, Syracuse, NY 13202 1227
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%
200 Walton St, Syracuse, NY 13202 1227
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%
200 Walton St, Syracuse, NY 13202 1227
Health Savings Accounts
1.20%
$5,000
▼
Rate1.19%
Min Deposit$5,000
Min Balance—
UpdatedMar 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
200 Walton St, Syracuse, NY 13202 1227
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%
200 Walton St, Syracuse, NY 13202 1227
Health Savings Accounts
1.00%
$25
▼
Rate1.00%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
IRA Shares
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
401 S Salina St, Syracuse, NY 13202 2584
High Yield Savings
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
401 S Salina St, Syracuse, NY 13202 2584
High Yield Savings
0.75%
$0
▼
Rate0.74%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY 13210
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%
211 Tompkins St, Syracuse, NY 13204
High Dividend Share Draft
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
211 Wilkinson St, Syracuse, NY 13204
Shares
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
109 W Fayette St, Syracuse, NY 13202
Municipal Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY 13202
Money Market Savings
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY 13202
Money Market Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY 13202
Money Market Savings
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
120 Madison Street Mony Tower Ii 18th Floor, Syracuse, NY 13202
Health Savings Accounts Tier 4
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY 13210
Health Savings Account
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
109 W Fayette St, Syracuse, NY 13202
Health Savings Account
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY 13202
Money Market Savings
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%
120 Madison Street Mony Tower Ii 18th Floor, Syracuse, NY 13202
Health Savings Accounts Tier 3
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
109 W Fayette St, Syracuse, NY 13202
Business Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
109 W Fayette St, Syracuse, NY 13202
Health Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
109 W Fayette St, Syracuse, NY 13202
Business Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
109 W Fayette St, Syracuse, NY 13202
Health Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY 13202
Money Market Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY 13210
RoundUp Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
120 Madison Street Mony Tower Ii 18th Floor, Syracuse, NY 13202
Health Savings Accounts Tier 2
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
109 W Fayette St, Syracuse, NY 13202
Business Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
109 W Fayette St, Syracuse, NY 13202
Health Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
109 W Fayette St, Syracuse, NY 13202
Landlord Tenant Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
109 W Fayette St, Syracuse, NY 13202
Statement Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY 13210
Health Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
4800 S Salina St, Syracuse, NY 13205
IRA and ESA Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
200 Walton St, Syracuse, NY 13202 1227
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%
200 Walton St, Syracuse, NY 13202 1227
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%
200 Walton St, Syracuse, NY 13202 1227
Stars and Stripes 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%
120 Madison Street Mony Tower Ii 18th Floor, Syracuse, NY 13202
Health Savings Accounts Tier 1
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
109 W Fayette St, Syracuse, NY 13202
Health Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
401 S Salina St, Syracuse, NY 13202 2584
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%
401 S Salina St, Syracuse, NY 13202 2584
Business Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
109 S Warren St, Syracuse, NY 13202
Statement Savings
0.10%
$1
▼
Rate0.10%
Min Deposit$1
Min Balance—
UpdatedMar 21, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
109 S Warren St, Syracuse, NY 13202
Horizon High-Yield Savings Account
0.10%
$15
▼
Rate0.10%
Min Deposit$15
Min Balance—
UpdatedMar 21, 2026
Details
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
4800 S Salina St, Syracuse, NY 13205
Savings Accounts
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
211 Tompkins St, Syracuse, NY 13204
IRA (Traditional, ROTH, & Coverdell) Shares
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY 13202
Holiday, Vacation, and U-Name-It Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY 13202
IRA Savings Traditional, Roth, and Coverdell ESA
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY 13202
Regular Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY 13202
Teen and Kids Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 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.
Syracuse, NY Savings Rate Trends
Compare local Syracuse, 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 Syracuse, 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 Syracuse, 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 Syracuse, 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 Syracuse, 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 Syracuse, 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 Syracuse, 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 Syracuse, New York?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Syracuse, New York offer in-person customer service, which some customers prefer.
How do I open a savings account in Syracuse, 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 Syracuse, New York
Here are recent savings rates observed in Syracuse, New York and the surrounding area:
- Ukrainian Federal Credit Union
High Dividend Share Draft — 4.00% APY - Solvay Bank
Horizon High-Yield Savings Tier 1 — 3.25% APY - BROADVIEW
High Yield Savings — 3.05% APY - AmeriCU Credit Union
Health Savings Accounts — 1.50% APY - Syracuse Cooperative Federal Credit Union
IRA Shares — 1.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Syracuse, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 26, 2026
