Buffalo, 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 Buffalo, New York and the surrounding area include SJP Federal Credit UnionSJP Federal Credit Union341 Englewood Ave, Buffalo, NY 14223 2819A5.0 ★Texas Ratio: 10.45% Youth Savings Account at 6.17% APY, Ukrainian Federal Credit UnionUkrainian Federal Credit Union562 Genesee St, Buffalo, NY 14204A5.0 ★Texas Ratio: 10.45% High Dividend Share Draft at 4.00% APY, BROADVIEWBROADVIEW598 Main St, Buffalo, NY 14202A+5.0 ★Texas Ratio: 0.00% High Yield Savings at 3.05% APY, Cadets Federal Credit UnionCadets Federal Credit Union927 Grant St, Buffalo, NY 14207 2820A5.0 ★Texas Ratio: 9.09% IRA Share Account at 0.75% APY, and The Summit Federal Credit UnionThe Summit Federal Credit Union2290 Delaware Ave Ste 100, BUFFALO, NY 14216A+5.0 ★Texas Ratio: 2.45% Health Savings Account at 0.60% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Buffalo, 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 Buffalo, New York (NY) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Buffalo, New York and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Buffalo, New York & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
562 Genesee St, Buffalo, NY 14204
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%
562 Genesee St, Buffalo, NY 14204
Personal Share Draft
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifying balance up to $25,000.00
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
598 Main St, Buffalo, NY 14202
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%
598 Main St, Buffalo, NY 14202
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%
598 Main St, Buffalo, NY 14202
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%
598 Main St, Buffalo, NY 14202
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%
598 Main St, Buffalo, NY 14202
High Yield Savings
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
598 Main St, Buffalo, NY 14202
High Yield Savings
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
598 Main St, Buffalo, NY 14202
High Yield Savings
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY 14207 2820
IRA Share Account
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
598 Main St, Buffalo, NY 14202
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%
2290 Delaware Ave Ste 100, BUFFALO, NY 14216
Health Savings Account
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
562 Genesee St, Buffalo, NY 14204
High Dividend Share Draft
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
2290 Delaware Ave Ste 100, BUFFALO, NY 14216
Health Savings Account
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
2670 Delaware Ave, Buffalo, NY 14216
Health Savings Accounts
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Tier 4 - Average daily balance $50,000 +
Buffalo Metropolitan Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
62 S Elmwood Ave, Buffalo, NY 14202 2609
Share Account
0.25%
$25
▼
Rate0.25%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Dividends paid quarterly on accounts with an average daily balance of $1,000.00 or more. Rate as of 1/01/2026.
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
341 Englewood Ave, Buffalo, NY 14223 2819
Savings Account
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
2670 Delaware Ave, Buffalo, NY 14216
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
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY 14207 2820
Premium Share Draft Checking
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
2290 Delaware Ave Ste 100, BUFFALO, NY 14216
RoundUp Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Great Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
130 S Elmwood Ave Ste 147, Buffalo, NY 14202
Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
2290 Delaware Ave Ste 100, BUFFALO, NY 14216
Health Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
2670 Delaware Ave, Buffalo, NY 14216
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
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
598 Main St, Buffalo, NY 14202
Business Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
130 S Elmwood Ave Ste 126, Buffalo, NY 14202 2465
Share Savings / IRA Share Accounts
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY 14207 2820
Premium Share Draft Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY 14207 2820
Premium Share Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
598 Main St, Buffalo, NY 14202
Primary and Youth 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%
2670 Delaware Ave, Buffalo, NY 14216
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
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
5529 Main St, Buffalo, NY 14221
Personal Prestige IMMA
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
598 Main St, Buffalo, NY 14202
High Yield 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%
598 Main St, Buffalo, NY 14202
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%
598 Main St, Buffalo, NY 14202
Health Savings Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
5529 Main St, Buffalo, NY 14221
Personal Prestige IMMA
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
562 Genesee St, Buffalo, NY 14204
IRA (Traditional, ROTH, & Coverdell) Shares
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Empire One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
1155 William St, Buffalo, NY 14206
SECONDARY SAVINGS
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Empire One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
1155 William St, Buffalo, NY 14206
Savings
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Empire One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
1155 William St, Buffalo, NY 14206
REGULAR SAVINGS
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
5529 Main St, Buffalo, NY 14221
Health Savings Account (HSA)
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
> $25,000
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
2670 Delaware Ave, Buffalo, NY 14216
iStrive Savings Account
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
2670 Delaware Ave, Buffalo, NY 14216
eSavings Account Tier 3
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Average daily balance is $10,000 +
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
2670 Delaware Ave, Buffalo, NY 14216
eSavings Account Tier 2
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Average daily balance $2,500 < $10,000
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
2670 Delaware Ave, Buffalo, NY 14216
eSavings Account Tier 1
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Average daily balance $100 < $2,500
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
2670 Delaware Ave, Buffalo, NY 14216
Statement Savings Account
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Tier 1 - Average daily balance is $25 +
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
562 Genesee St, Buffalo, NY 14204
Regular Savings
0.03%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
562 Genesee St, Buffalo, NY 14204
Regular Shares
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY 14207 2820
Regular Share Account
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
5529 Main St, Buffalo, NY 14221
Health Savings Account (HSA)
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$100 - $1,999
Northwest Bank Warren, PA
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
14 Lafayette Sq, Buffalo, NY 14203
Statement Savings
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Good Neighbors Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
251 Grant St, Buffalo, NY 14213
Regular Savings and Special Use Savings Accounts
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
2290 Delaware Ave Ste 100, BUFFALO, NY 14216
Automatic Loan Payment Share
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
5529 Main St, Buffalo, NY 14221
Health Savings Account (HSA)
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
< $100
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
5529 Main St, Buffalo, NY 14221
Personal Prestige IMMA
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
130 S Elmwood Ave Ste 126, Buffalo, NY 14202 2465
Share Draft Checking / Transaction Account
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
562 Genesee St, Buffalo, NY 14204
Share Draft
0.00%
$0
▼
Rate0.00%
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 27, 2026
Details
Qualifying balance up to $6000
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 22, 2026
Details
Qualifying balance up to $5,000.00
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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.
Buffalo, NY Savings Rate Trends
Compare local Buffalo, 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
1.272%
▼ 0.487 from last week
New York high-yield savings rates fell 0.487 points this week to 1.272% APY, down from 1.760% last week.
Standard Savings — NY Avg
0.810%
▲ 0.167 from last week
New York standard savings rates rose 0.167 points this week to 0.810% APY, up from 0.642% last week.
As of Mar 29, 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 Buffalo, 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 Buffalo, 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 Buffalo, 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 Buffalo, 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 Buffalo, 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 Buffalo, 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 Buffalo, New York?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Buffalo, New York offer in-person customer service, which some customers prefer.
How do I open a savings account in Buffalo, 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 Buffalo, New York
Here are recent savings rates observed in Buffalo, New York and the surrounding area:
- SJP Federal Credit Union
Youth Savings Account — 6.17% APY - Ukrainian Federal Credit Union
High Dividend Share Draft — 4.00% APY - BROADVIEW
High Yield Savings — 3.05% APY - Cadets Federal Credit Union
IRA Share Account — 0.75% APY - The Summit Federal Credit Union
Health Savings Account — 0.60% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Buffalo, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
