Best Banks & Credit Unions in Schenectady, New York

Banks and credit unions serving Schenectady, New York. Compare up to 3.70% APY, fees, minimums and membership rules, dated when we read them.

This page covers banks, credit unions, and local branches available to residents of Schenectady, New York. All rankings inherit from the New York state directory — every institution listed is licensed to serve Schenectady residents and is either headquartered in New York or operates branches in the metro.

Top options in Schenectady

• Jovia Financial Credit Union — 4.55% APY. New York credit union offering competitive short-term CD pricing.
• Broadview Federal Credit Union — 4.00% APY. 12 Month Certificate: $500 minimum to open and obtain APY; accurate as of 9/6/2026; read on broadviewfcu.com/rates/?r=Certificates. Read Sep 7, 2026 on broadviewfcu.com. Rates as of 2026-09-06 per the page.
• M&T Bank — 3.85% APY. 18-Month M&T Select CD: No 12-month CD is featured; the 18-month Select CD is the only term on the page; $1,000 minimum to open; $1.00 minimum balance to obtain APY; APY accurate as of 07/30/2026 per the page. Read Sep 7, 2026 on mtb.com. Rates as of 2026-07-30 per the page.
• Teachers Federal Credit Union — 3.75% APY. Long Island-based credit union offering top-tier CD specials.
• Navy Federal Credit Union — 3.70% APY. 12-Month Certificate: $1,000 minimum; 3.75% APY at $100,000; the Special EasyStart Certificate pays 4.00% APY for 12 months at $50 as a special offer. Read Sep 7, 2026 on navyfederal.org. Rates as of 2026-09-06 per the page.
• Apple Bank — 3.70% APY. New York community bank with competitive savings rates and metro-area branch presence.

Other New York cities

• Banks in New York City
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• Banks in Rochester
• Banks in Yonkers
• Banks in Syracuse
• Banks in Albany
• Banks in New Rochelle
• Banks in Mount Vernon

See the full New York banks directory for every institution we've verified in the state, plus the underlying methodology.