Best Banks & Checking Accounts in Guilderland, New York - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Guilderland, New York include Sunmark Credit UnionSunmark Credit Union2115 Western Ave, Guilderland, NY 12084A5.0 ★Texas Ratio: 11.71% at 6.00% APY, TrustCo BankTrustCo Bank2050 Western Ave, Guilderland, NY 12084A+5.0 ★Texas Ratio: 3.16% Home Town Investment Checking at 1.00% APY, BROADVIEWBROADVIEW2114 Western Ave, Guilderland, NY 12084A+5.0 ★Texas Ratio: 0.00% IOLA Checking at 0.10% APY, FNB of ScotiaFNB of Scotia8 Karner Road, Guilderland, NY 12084A5.0 ★Texas Ratio: 8.63% Interest Checking at 0.05% APY, and NBT BankNBT Bank5 New Karner Rd, Guilderland, NY 12084A+5.0 ★Texas Ratio: 1.76% Classic Interest Checking at 0.01% APY.
Looking for the best checking accounts in Guilderland, New York? You have two main choices: convenient local branches or high-yield online accounts.
The tables below compare the top rates available to residents of Guilderland, New York, featuring both local banks and credit unions near you.
Checking account rates reflect recent market quotes and representative offers available to depositors in Guilderland, New York. Checking Account Rates Last Updated and Verified: March 22, 2026
Guilderland, NY Checking Rate Trends
Compare local Guilderland, NY checking rate quotes against the statewide average
Weekly checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New York high-yield checking rates rose 1.388 points this week to 1.525% APY, up from 0.138% last week.
New York rewards checking rates rose 1.837 points this week to 3.280% APY, up from 1.444% last week.
Compare Checking Account Rates Today in Guilderland, New York & the Surrounding Area
Guilderland, NY 12084
Qualifying balance up to $15,000.00
Guilderland, NY 12084
No additional details provided.
Guilderland, NY 12084
No additional details provided.
Guilderland, NY 12084
No additional details provided.
Guilderland, NY 12084
No additional details provided.
Guilderland, NY 12084
No additional details provided.
Guilderland, NY 12084
$0 Minimum Average Daily Balance to Earn Dividends
Guilderland, NY 12084
No Minimum/No Fee
Guilderland, NY 12084
minimum $500 average daily balance required to earn interest
Guilderland, NY 12084
Tier 1 - Average daily balance $100 < $2,500
Guilderland, NY 12084
No additional details provided.
Guilderland, NY 12084
No additional details provided.
Guilderland, NY 12084
No additional details provided.
Guilderland, NY 12084
No Minimum/No fee
Guilderland, NY 12084
No additional details provided.
Getzville, NY 14068 1606
Qualifying balance up to $15000
Rome, NY 13440 2430
Qualifying balance up to $10,000.00
Valley Stream, NY 11580 6034
Qualifying balance up to $25,000.00
Middletown, NY 10941 4019
Qualifications Required: qualifications are met; Earn Cash Back on up to $500 in Debit Card Purchases
Middletown, NY 10941 4019
Qualifying balance up to $25,000.00
Guilderland, NY 12084
No additional details provided.
Guilderland, NY 12084
Qualifying balance up to $15,000.00
Guilderland, NY 12084
No additional details provided.
Guilderland, NY 12084
No additional details provided.
Guilderland, NY 12084
No additional details provided.
Guilderland, NY 12084
minimum $500 average daily balance required to earn interest
Guilderland, NY 12084
Tier 1 - Average daily balance $100 < $2,500
Getzville, NY 14068 1606
Qualifying balance up to $15000
Rome, NY 13440 2430
Qualifying balance up to $10,000.00
Valley Stream, NY 11580 6034
Qualifying balance up to $25,000.00
Middletown, NY 10941 4019
Qualifying balance up to $25,000.00
Garden City, NY 11530
Qualifying balance up to $1,500
Catskill, NY 12414
Qualifying balance up to $500.00
Albany, NY 12205 5581
On up to $300 in purchases every month
Catskill, NY 12414
Qualifying balance up to $500.00
Conklin, NY 13748
Qualifying balance up to $10,000.00
Middletown, NY 10941 4019
Qualifications Required: qualifications are met; Earn Cash Back on up to $500 in Debit Card Purchases
New York, NY 10002
Qualifications Required; Qualifying balance up to $200.00
Solvay, NY 13209
Qualifying balance up to $15,000.00
Baldwinsville, NY 13027 2706
Qualifications Required: Make 15 debit card purchases that post and settle your account; Have one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Qualifying balance up to $25,000.00
Guilderland, NY 12084
Qualifying balance up to $15,000.00
Albany, NY 12205 5581
On up to $300 in purchases every month
New York, NY 10002
Qualifications Required; Qualifying balance up to $200.00
Middletown, NY 10941 4019
Qualifications Required: qualifications are met; Earn Cash Back on up to $500 in Debit Card Purchases
East Syracuse, NY 13057
No additional details provided.
Plattsburgh, NY 12901
Qualifying balance up to $25,000.00
Plattsburgh, NY 12901
Qualifying balance up to $25,000.00
Canton, NY 13617
Tier 1
Purchase, NY 10577
No additional details provided.
Hicksville, NY 11801
No additional details provided.
Hicksville, NY 11801
No additional details provided.
Rochester, NY 14625
Earns 1.00% cash back on transactions!
Pearl River, NY 10965 3104
No additional details provided.
Rome, NY 13440 2430
No additional details provided.
Guilderland, NY 12084
No additional details provided.
Guilderland, NY 12084
No additional details provided.
Catskill, NY 12414
Qualifying balance up to $500.00
Catskill, NY 12414
Qualifying balance up to $500.00
Plattsburgh, NY 12901
Qualifying balance up to $25,000.00
Plattsburgh, NY 12901
Qualifying balance up to $25,000.00
Bronx, NY 10461
No additional details provided.
Bay Shore, NY 11706 8505
No additional details provided.
Sherrill, NY 13461
No additional details provided.
Binghamton, NY 13905 1337
No additional details provided.
Binghamton, NY 13905 1337
No additional details provided.
West Point, NY 10996 1726
Qualifications Required: recurring direct deposits of $500 or more; $25 minimum balance to open. Earn dividends with recurring direct deposits of $500 or more and a daily balance up to $50,000 per statement cycle.*
Fulton, NY 13069
*
Carthage, NY 13619
With Rewards
Carthage, NY 13619
With Rewards
Staten Island, NY 10314
No additional details provided.
Brooklyn, NY 11209 7104
No additional details provided.
Carthage, NY 13619
With Rewards
Pearl River, NY 10965 3104
No additional details provided.
Spencerport, NY 14559
No additional details provided.
Guilderland, NY 12084
No additional details provided.
Garden City, NY 11530
Qualifying balance up to $1,500
Hauppauge, NY 11788 5152
Qualifying balance up to $500.00
Poughkeepsie, NY 12601 5585
No additional details provided.
Pearl River, NY 10965 3104
No additional details provided.
Geneseo, NY 14454
No additional details provided.
Guilderland, NY 12084
No additional details provided.
Guilderland, NY 12084
$2,500 Minimum Daily Average Balance to Earn Dividends
Guilderland, NY 12084
No additional details provided.
Guilderland, NY 12084
Qualifying balance up to $2,499.99
Guilderland, NY 12084
No Minimum/No fee
Guilderland, NY 12084
No additional details provided.
Rome, NY 13440 2430
Qualifying balance up to $10,000.00
Catskill, NY 12414
Qualifying balance up to $500.00
Conklin, NY 13748
Qualifying balance up to $5,000.00
Catskill, NY 12414
Qualifying balance up to $500.00
Scarsdale, NY 10583
No additional details provided.
Bronx, NY 10462
No additional details provided.
Flushing, NY 11354
No additional details provided.
Hornell, NY 14843
No additional details provided.
Hudson, NY 12534
No additional details provided.
Hornell, NY 14843
No additional details provided.
East Syracuse, NY 13057
No additional details provided.
Hauppauge, NY 11788 5152
Tier 4; + $250,000
Hudson, NY 12534
No additional details provided.
Hudson, NY 12534
Qualifying balance up to $49,999.00
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Guilderland, New York directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Guilderland, New York. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in NY.
Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.
Frequently Asked Questions
Do checking accounts in Guilderland, New York earn interest?
Are banks in Guilderland, New York FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Guilderland, New York
- Sunmark Credit Union
— 6.00% APY - TrustCo Bank
Home Town Investment Checking — 1.00% APY - BROADVIEW
IOLA Checking — 0.10% APY - FNB of Scotia
Interest Checking — 0.05% APY - NBT Bank
Classic Interest Checking — 0.01% APY
