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New York Savings Rate Trends

Scottsburg, New York (NY) Savings Rates - April 2026

The best savings rates for Scottsburg, New York and the surrounding area include Maspeth Federal S&LMaspeth Federal S&LA5.0 ★Texas Ratio: 6.07% Teen Savings at 10.00% APY, SJP Federal Credit UnionSJP Federal Credit UnionA5.0 ★Texas Ratio: 10.45% Youth Savings Account at 6.17% APY, Suffolk Federal Credit UnionSuffolk Federal Credit UnionA+5.0 ★Texas Ratio: 3.20% Youth Savings at 6.00% APY, N C P DN C P DA+5.0 ★Texas Ratio: 4.12% Youth/Teen/Milestone Savings at 5.09% APY, and Together Credit UnionTogether Credit UnionA+5.0 ★Texas Ratio: 5.65% Accelerate It Savings at 5.00% APY.

Scottsburg is a smaller community with no bank or credit union branches currently in our database. 60 institutions serving the New York area are available to Scottsburg residents, with savings rates as high as 10.00% APY from Maspeth Federal S&L. Rates are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Scottsburg, New York and the surrounding area. Last Updated and Verified: April 4, 2026

Compare the Best Savings Rates in Scottsburg, New York & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
Teen Savings
10.00%
$0
Rate9.57%
Min Deposit$0
Min Balance
UpdatedApr 3, 2026
Details

Qualifying balance up to $6000.00

SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
Youth Savings Account
6.17%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $10,000.00

Suffolk Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
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%
Youth Savings Account
6.00%
$0
Rate5.84%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $2,500.00

N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Youth/Teen/Milestone Savings
5.09%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $1,000.00

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Accelerate It Savings
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

Qualifying balance up to $5,000.00

Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
High Five Youth Savings Account
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

Qualifying balance up to $500.00

Ocean Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.70%
Youth & Young Adult Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $1,000.00

Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
NEXT eSavings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $1,000.00

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Jump Start Savings
5.00%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $1,000.00

Metro Realtors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
Smarts Starts Early Youth Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

UP TO AGE 21

Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
Companion Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Qualifying balance up to $10,000

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
Student Savings
5.00%
$0
Rate4.91%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Balances $0.00 - $1,000.00

Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
e-SAVINGS
5.00%
$0
Rate4.88%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $500.00

Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
e-BUSINESS SAVINGS
5.00%
$0
Rate4.88%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $500.00

Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
Student e-Next Generation Savings
5.00%
$0
Rate4.88%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

Qualifying balance up to $100.00

Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Student e-Next Generation Savings
5.00%
$0
Rate4.88%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Qualifying balance up to $100.00

Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
e-BUSINESS SAVINGS
5.00%
$0
Rate4.88%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

Qualifying balance up to $500.00

Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
e-SAVINGS
5.00%
$0
Rate4.88%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

Qualifying balance up to $500.00

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Apple Bank SmartStart Savings Account
5.00%
$0
Rate4.88%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $10,000.00

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
SmartStart Banking & Savings
5.00%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $10,000.00

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
SmartStart Savings
5.00%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $10,000

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
SmartStart Savings & Banking
5.00%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $10,000.00

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
SmartStart Savings for Teens
5.00%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $10,000.00

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
SmartStart Savings for Young Adults
5.00%
$1
Rate4.88%
Min Deposit$1
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $10,000.00

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
SmartStart Savings for Youth
5.00%
$1
Rate4.88%
Min Deposit$1
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $10,000.00

Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
High Yield Online Savings
4.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
Money Market Accounts & High Yield Savings
4.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
Personal High Yield Savings
4.20%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 28, 2026
Details

Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
High Yield Savings
4.00%
$5,000
Rate3.92%
Min Deposit$5,000
Min Balance
UpdatedApr 4, 2026
Details

**Exclusive online**

Morgan Stanley E-Trade
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Premium Savings Account
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Boosted Rate: 4.00% for 6 months ($0+)

Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
High Yield Online Savings Account
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Savings Account
4.00%
$0
Rate3.92%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
My Reserve Savings Account
4.00%
$0
Rate3.92%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

New Money Only

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
FREEDOM DIRECT SAVINGS
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

when you add Direct Deposit to a new or existing Justice Federal Checking Account.

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
Personal Share Draft
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $25,000.00

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
Performance® Savings
3.90%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Sterling Bank and Trust, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
EverBank Performance Savings
3.90%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

New account APY3; This account is not available to open through our financial centers; it can only be opened online or by calling our client solutions team.

Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
HighMarq Savings
3.75%
$0
Rate3.69%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

The current dividend rate is 3.69% for balances $10,000 and over. APY and rate may change after account is opened and any fees could reduce earnings. There is no minimum balance to open or maintain HighMarq Savings. The minimum average daily balance to earn the advertised APY is $10,000. There are no monthly fees as long as you register for and maintain e-Statements. If you choose to receive paper statements, there will be a $10 monthly fee.

Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Savings & IRA Savings
3.75%
$25
Rate3.68%
Min Deposit$25
Min Balance
UpdatedApr 4, 2026
Details

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
New Year Flexible Savings Account
3.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Terms and Conditions apply.

The First Bank of Greenwich
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Platinum Savings
3.71%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedApr 4, 2026
Details

Required minimum deposit of $25,000.00 of funds not on deposit with The First Bank of Greenwich, a Platinum Checking account must be linked to this promotional account with a $2,500.00 minimum average balance or direct deposit of a paycheck, pension, or other government benefit in order to earn the promotional APY and avoid a $5 monthly service charge. The Platinum Savings account will earn 3.14% APY if no Platinum Checking account is linked. If the Platinum Savings balance falls below $25,000.00 the account will earn .05% APY and incur a $5.00 monthly Service Fee. Interest is compounded and credited monthly. Promotional APY is effective the date of this publication and subject to change. Fees could reduce earnings.

New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
High-Yield Savings
3.70%
$0
Rate3.65%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
24 Mo Share Cert
3.56%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedMar 24, 2026
Details

North Country Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
NCSB Rewards Savings
3.56%
$50
Rate0.00%
Min Deposit$50
Min Balance
UpdatedApr 3, 2026
Details

Qualifications Required: Have an existing Rewards Checking Account; Have at least 10 debit card purchases post and clear from that account per qualification cycle; Have at least one ACH External Deposit (direct deposit) or ACH External Withdrawal (payment) post and clear from that account per qualification cycle; Enroll and receive Electronic Statements for that account (EagleNet enrollment required); Interest Rate is based on checking account qualification

The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
12 Mo Share Cert
3.56%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedMar 24, 2026
Details

North Country Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
NCSB Premium Rewards/ Cashback Rewards Savings- Qualified
3.56%
$50
Rate3.50%
Min Deposit$50
Min Balance
UpdatedApr 3, 2026
Details

Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
HighQ Savings
3.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Named the Best Savings Account of 2025 by Bankrate

Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
QUORUM HIGHQ SAVINGS
3.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

As of 01/20/26 [according to the FDIC](https://www.fdic.gov/resources/bankers/national-rates/). HighQ rate: 3.35% dividend rate as of 02/10/2026.

The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
36 Mo Share Cert
3.30%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedMar 24, 2026
Details

Affinity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
Performance Savings
3.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Qualifications Required; Qualifying balance up to $250,000

Affinity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
Savings
3.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

As High As

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
Online Savings
3.20%
$11
Rate3.15%
Min Deposit$11
Min Balance
UpdatedMar 27, 2026
Details

Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
High Yield Savings
3.20%
$0
Rate3.15%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
High Yield Savings
3.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Business & Public Funds Premium Money Market Savings
3.05%
$0
Rate3.01%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
High Interest Money Market Savings
3.05%
$0
Rate3.01%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
48 Mo Share Cert
3.04%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedMar 24, 2026
Details

The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
60 Mo Share Cert
3.04%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedMar 24, 2026
Details

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.

Scottsburg, NY Savings Rate Trends

Compare local Scottsburg, NY savings rate quotes against the statewide average

Daily savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full New York Savings Trends →
High-Yield Savings — NY Avg
0.855%
▼ 0.705 vs 7 days ago

New York high-yield savings rates fell 0.705 points over the past 7 days to 0.855% APY, down from 1.560%.

Standard Savings — NY Avg
1.518%
▲ 0.708 vs 7 days ago

New York standard savings rates rose 0.708 points over the past 7 days to 1.518% APY, up from 0.810%.

As of Apr 5, 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 Scottsburg, 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 Scottsburg, 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 Scottsburg, 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 Scottsburg, 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 Scottsburg, 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 Scottsburg, 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 Scottsburg, New York?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Scottsburg, New York offer in-person customer service, which some customers prefer.

How do I open a savings account in Scottsburg, 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 Scottsburg, New York

Here are recent savings rates observed in Scottsburg, New York and the surrounding area:
  • Maspeth Federal S&L
    Teen Savings — 10.00% APY
  • SJP Federal Credit Union
    Youth Savings Account — 6.17% APY
  • Suffolk Federal Credit Union
    Youth Savings — 6.00% APY
  • N C P D
    Youth/Teen/Milestone Savings — 5.09% APY
  • Together Credit Union
    Accelerate It Savings — 5.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Scottsburg, New York. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 4, 2026