Troy, 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 Troy, New York and the surrounding area include BROADVIEWBROADVIEW256 Hoosick St, Troy, NY 12180A+5.0 ★Texas Ratio: 0.00% High Yield Savings at 3.05% APY, Sunmark Credit UnionSunmark Credit Union722 Hoosick Rd, Troy, NY 12180 8822A5.0 ★Texas Ratio: 11.71% Savings Accounts at 3.00% APY, Hudson River Community Credit UnionHudson River Community Credit Union40 Leversee Rd, Troy, NY 12182A5.0 ★Texas Ratio: 6.24% IRA Savings Account at 1.50% APY, TrustCo BankTrustCo Bank1700 5th Ave, Troy, NY 12180A+5.0 ★Texas Ratio: 3.16% Home Town Savings at 0.95% APY, and NEXT STEPNEXT STEP150 Defreest Dr, Troy, NY 12180A+5.0 ★Texas Ratio: 0.00% Traditional & Roth IRA Savings at 0.60% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Troy, 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 Troy, New York (NY) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Troy, New York and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Troy, 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%
256 Hoosick St, Troy, NY 12180
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%
722 Hoosick Rd, Troy, NY 12180 8822
Savings Accounts
3.00%
$1
▼
Rate2.96%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
256 Hoosick St, Troy, NY 12180
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%
256 Hoosick St, Troy, NY 12180
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%
256 Hoosick St, Troy, NY 12180
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%
256 Hoosick St, Troy, NY 12180
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%
722 Hoosick Rd, Troy, NY 12180 8822
Savings Accounts
1.50%
$1
▼
Rate1.49%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
722 Hoosick Rd, Troy, NY 12180 8822
Health Savings Account
1.50%
$1
▼
Rate1.49%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
40 Leversee Rd, Troy, NY 12182
IRA Savings Account
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
40 Leversee Rd, Troy, NY 12182
IRA Savings
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
256 Hoosick St, Troy, NY 12180
High Yield Savings
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
40 Leversee Rd, Troy, NY 12182
IRA Savings
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
40 Leversee Rd, Troy, NY 12182
IRA Savings Account
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
40 Leversee Rd, Troy, NY 12182
IRA Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
40 Leversee Rd, Troy, NY 12182
IRA Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
256 Hoosick St, Troy, NY 12180
High Yield Savings
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1700 5th Ave, Troy, NY 12180
Home Town Savings
0.95%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1700 5th Ave, Troy, NY 12180
Home Town Savings
0.91%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1700 5th Ave, Troy, NY 12180
Home Town Savings
0.80%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
256 Hoosick St, Troy, NY 12180
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%
1700 5th Ave, Troy, NY 12180
Home Town Savings
0.74%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
150 Defreest Dr, Troy, NY 12180
Traditional & Roth IRA Savings
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
150 Defreest Dr, Troy, NY 12180
Money Market Checking/Savings Accounts
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
150 Defreest Dr, Troy, NY 12180
Traditional & Roth IRA Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
150 Defreest Dr, Troy, NY 12180
Vacation, Holiday, Summer Share Accounts
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
722 Hoosick Rd, Troy, NY 12180 8822
Savings Accounts
0.45%
$1
▼
Rate0.45%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
722 Hoosick Rd, Troy, NY 12180 8822
Regular IRA Share Savings
0.45%
$1
▼
Rate0.45%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
150 Defreest Dr, Troy, NY 12180
Money Market Checking/Savings Accounts
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
150 Defreest Dr, Troy, NY 12180
Traditional & Roth IRA Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1700 5th Ave, Troy, NY 12180
Home Town Savings
0.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
150 Defreest Dr, Troy, NY 12180
Traditional & Roth IRA Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
150 Defreest Dr, Troy, NY 12180
Money Market Checking/Savings Accounts
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1700 5th Ave, Troy, NY 12180
Home Town Savings
0.30%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
150 Defreest Dr, Troy, NY 12180
Traditional & Roth IRA Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
150 Defreest Dr, Troy, NY 12180
Money Market Checking/Savings Accounts
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
150 Defreest Dr, Troy, NY 12180
Money Market Checking/Savings Accounts
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
722 Hoosick Rd, Troy, NY 12180 8822
Regular IRA Share Savings
0.20%
$1
▼
Rate0.20%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
722 Hoosick Rd, Troy, NY 12180 8822
Savings Accounts
0.20%
$1
▼
Rate0.20%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
722 Hoosick Rd, Troy, NY 12180 8822
Youth Savings
0.20%
$1
▼
Rate0.20%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1700 5th Ave, Troy, NY 12180
Home Town Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
256 Hoosick St, Troy, NY 12180
High Yield Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
722 Hoosick Rd, Troy, NY 12180 8822
Special Event Savings Plan
0.10%
$1
▼
Rate0.10%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
722 Hoosick Rd, Troy, NY 12180 8822
Savings Accounts
0.10%
$1
▼
Rate0.10%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
722 Hoosick Rd, Troy, NY 12180 8822
Regular IRA Share Savings
0.10%
$1
▼
Rate0.10%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
722 Hoosick Rd, Troy, NY 12180 8822
Holiday Savings Plan
0.10%
$1
▼
Rate0.10%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
722 Hoosick Rd, Troy, NY 12180 8822
Commercial Savings Plan
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
31 Jordan Rd, Troy, NY 12180 8548
Share Savings
0.10%
$1
▼
Rate0.10%
Min Deposit$1
Min Balance—
UpdatedMar 23, 2026
Details
Minimum balance of $1 on Primary Share Savings only. Fees may reduce earnings. Rates set monthly. Dividends compounded monthly.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
31 Jordan Rd, Troy, NY 12180 8548
Primary Share Savings
0.10%
$1
▼
Rate0.10%
Min Deposit$1
Min Balance—
UpdatedMar 23, 2026
Details
Fees may reduce earnings. Rates set monthly. Dividends compounded monthly.
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
256 Hoosick St, Troy, NY 12180
Business 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%
256 Hoosick St, Troy, NY 12180
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%
256 Hoosick St, Troy, NY 12180
Health Savings Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
40 Leversee Rd, Troy, NY 12182
Prime Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
40 Leversee Rd, Troy, NY 12182
Prime Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
40 Leversee Rd, Troy, NY 12182
Universal Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
40 Leversee Rd, Troy, NY 12182
UTMA Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
40 Leversee Rd, Troy, NY 12182
Youth Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
722 Hoosick Rd, Troy, NY 12180 8822
Membership Savings Plan
0.05%
$1
▼
Rate0.05%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
722 Hoosick Rd, Troy, NY 12180 8822
Savings Accounts
0.05%
$1
▼
Rate0.05%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
722 Hoosick Rd, Troy, NY 12180 8822
Silver Savings Plan
0.05%
$1
▼
Rate0.05%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Hudson River Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
40 Leversee Rd, Troy, NY 12182
IRA Savings
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
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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.
Troy, NY Savings Rate Trends
Compare local Troy, 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 Troy, 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 Troy, 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 Troy, 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 Troy, 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 Troy, 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 Troy, 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 Troy, New York?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Troy, New York offer in-person customer service, which some customers prefer.
How do I open a savings account in Troy, 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 Troy, New York
Here are recent savings rates observed in Troy, New York and the surrounding area:
- BROADVIEW
High Yield Savings — 3.05% APY - Sunmark Credit Union
Savings Accounts — 3.00% APY - Hudson River Community Credit Union
IRA Savings Account — 1.50% APY - TrustCo Bank
Home Town Savings — 0.95% APY - NEXT STEP
Traditional & Roth IRA Savings — 0.60% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Troy, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026
