Colonie, New York Savings Rates - October 2026

$250,000 and above; Balance: $250,000 and above

$100,000; Balance: $100,000 to $249,999.99

balance over $75,000; Balance: $75,000.01 and over

Tier: 2; Average Daily Balance needed to earn stated APY: $500 to $2,499

Balance: minimum $50 average daily balance required to earn interest

Balance: $10,000 - $39,999

Balance: $0.01 - $9,999

$50,000; Balance: $50,000 to $99,999.99

Tier: 1; Average Daily Balance needed to earn stated APY: Below $500

Balance: $0.01 - $9,999

Balance: $0.01 - $9,999

Balance: $0.01 - $9,999

$15,000; Balance: $15,000 to $49,999.99

$200; Balance: $200 to $14,999.99

Balance: $0.01 - $9,999

Balance: $0.01 - $9,999

Balance: $1 - $6000

Balance: Up to $10,000.00; Promotional rate on first $10,000.00; balances above $10,000.00 earn the regular Money Market rate; no minimum balance required to earn dividends; dividends paid monthly

Youth Savings available to members under the age of 21 years old and earns 5.00% APY up to $1,000 deposited, Regular Share Savings rate for balances thereafter; at 21, Youth Savings converts to a Regular Share Savings account. Rates effective as of 04/03/2023. All rates are subject to adjust without prior notice and may change after your account(s) is opened. Fees could reduce earnings on the account. Charts assume that deposits remain in satisfactory standing for a full year. Penalty may apply for early withdrawals from Certificate accounts.

on the first $1,000 on deposit

Balance: $1 - $500

Balance: $1 - $500

Balance: $1 - $500; Balance for APY is blended and may range from 0.05% to 5.00%. Fees may reduce earnings. Gift is awarded when account is opened. We reserve the right to substitute a gift of similar value.

Balance: $1 - $500; Balance for APY is blended and may range from 0.05% to 5.00%. Fees may reduce earnings. Gift is awarded when account is opened. We reserve the right to substitute a gift of similar value.

Balance: $1 - $100

Balance: $1 - $500

Balance: $1 - $500

Balance for APY is blended and may range from 0.05% to 5.00%. Balance of $1-$500 earns 5.00% APY; balances over $500 earn 0.05% APY. Fees may reduce earnings. Gift is awarded when account is opened. We reserve the right to substitute a gift of similar value.

Balance: $1 - $100

Balance: $1.01 - $10,000

Balance: $0.00 - $1,000.00

Balance: Balances <= $3,000.00

Balance: Balances $1,000 and under; Primary account holder must be 17 years of age or younger; rate applies to balances up to $1,000, amounts over $1,000 earn the current Share Savings rate

Balance: $0 - $499.99; Deposit or withdraw as needed. No monthly service fee

Balances from $1.00 to $500 earn 5.00% APY. Balances over $500 will earn the current savings APY. Variable rate accounts rates and terms are subject to change without notice. Available for children 16 and under. To obtain the blended dividend rate, there is a limit of one account for each unique minor/joint ownership. Dividends are calculated on daily balance and credited monthly. Fees could reduce earnings. Membership eligibility applies.

Ages 16 and Under

Specifically created for our members under 21 years old.

All savings rates are APY (Annual Percentage Yield).

Balance: $100 - $2,500.00; UP TO AGE 21

Every time you make a purchase with your OCFCU debit card, the transaction is "rounded up" to the nearest dollar. That extra change goes into your Round Up account and earns 10 times the interest rate of a regular savings account.

APY dividend of 5.00% is earned on balances $100.00 to $5,000.99. Balances $5,001.00 and above will receive APY of 0.20%. One Accelerate It Savings per Social Security or Taxpayer Identification Number. For Accelerate It Savings accounts, you must have an open checking account located under the same membership number as the Accelerate It Savings account. If your checking account is closed for any reason, your Accelerate It Savings account will convert to a Regular Savings account. You must be 22 years or older to open an Accelerate It Savings account. Balance: $100.00 - $5,000.99

Balance: $0 to $1,000.00

Promotional rate for 6 months; no monthly account fees and no minimum deposit

New accounts earn a 4.20 % APY on all balances. This is a variable rate account, and the APY may change without notice. Available exclusively online and by phone.

Earn 11x the national average.

6-Month Boost for New Customers. After 6 months, this boost will expire and your rate will revert to our standard variable APY (currently 3.80%).

Qualifications Required: 2 qualifying recurring electronic direct deposits must post to the new FreeStyle Checking account within 60 days of opening the High Yield Savings+ account; at least one must come from the following sources: salary, pension, Social Security or other regular monthly income deposited to your new FreeStyle Checking account by your employer or outside agency via ACH; Limited Time Offer. NEW CUSTOMER ONLY. NEW MONEY REQUIRED. All annual percentage yields (APYs) on interest bearing accounts subject to change at any time at our discretion and without notice. Offer only available to new deposit customers or CD-only customers or loan-only customers of the bank who open a new OceanFirst High Yield Savings+ account. New customer is defined as someone who has not had a checking or savings account with the bank within the last 12 months and must be opened with funds not currently on deposit at OceanFirst Bank. If the balance falls below $500.00 during the statement cycle, a $5 monthly balance fee will apply. $250,000 maximum funding per account. Additionally, eligibility for this offer requires that all the following conditions are met: a new FreeStyle Checking account (FreeStyle+ Checking excluded) must be opened and a minimum of two (2) qualifying recurring electronic direct deposits must post to the new FreeStyle Checking account within 60 days of opening the High Yield Savings+ account. Qualifying direct deposits must be a minimum of $5.00 and at least one must come from the following sources: salary, pension, Social Security or other regular monthly income deposited to your new FreeStyle Checking account by your employer or outside agency via ACH. OceanFirst Bank employee eligibility requires any new OceanFirst checking account and a minimum of two (2) qualifying recurring electronic direct deposits must post to the checking account within 60 days of opening the High Yield Savings+ account. If all offer requirements are not met, the account will default to earning the prevailing rate of the Statement Savings Account at that time. A $5.00 excess transaction fee will apply for each withdrawal or transfer over three (3) per statement cycle. A $5.00 paper statement fee may apply. Fees may reduce earnings. Business accounts and government accounts are not eligible.

Introductory promo for new customers. Introductory Interest Rate is determined by adding 0.67% to the variable interest rate paid on the Valley Direct High Yield Savings account (the "Standard Interest Rate"). The Introductory Interest Rate, Standard Interest Rate and APY are variable and may change after the account is opened.

No monthly service fees. Interest is compounded and credited monthly.

Balance: $1-$49,999.99; New Money Only

Online Only

Promotional APY. Balances at or below $9,999.99 do not qualify for this promotional rate and are subject to the current non-promotional interest rate applicable to this account type. At the end of the 180-day promotional period, the interest rate and APY will revert to the then-posted non-promotional rate(s) applicable to this account type. The interest rate(s) and annual percentage yield(s) are variable and may change at any time before or after the account is opened. To qualify, you must be a new personal savings client of Flagstar Bank and open a Flagstar Ready Savings account. You must make an initial minimum opening deposit of at least $1.00. To qualify for the promotional rate, you must deposit additional funds, to maintain a balance greater than or equal to $10,000 is required and must be "new money," which is defined as money that is not currently on deposit in any Flagstar Bank account; money moved from any Flagstar Bank affiliate or subsidiary account or funded from a Flagstar/affiliate loan or line of credit does not qualify. For purposes of this offer, funds from maturing certificate of deposit accounts held at Flagstar Bank will be considered eligible. The account must remain open for the full 180-day promotional period. This offer is limited to one promotion per household. If any signer on this account has previously received a savings promotion from Flagstar Bank, you are ineligible for this offer. This offer cannot be combined with any other offers or promotions. An early account closure fee may be imposed for accounts closed within 180 days. Offer subject to change or cancellation at any time without notice. Receiving this offer does not guarantee eligibility. All account applications are subject to our normal approval process. Personal accounts only. Area restrictions may apply.

The annual percentage yield (APY) is accurate as of January 8, 2026 and subject to change at the Bank's discretion. Refer to product's website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.