Credit union · NCUA insured
1st Bergen FCU Savings Rates
1st Bergen FCU’s best savings rate is 0.75% APY on $10,000, with its Primary Share Account. Rates checked October 22, 2026.
How 1st Bergen FCU’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where 1st Bergen FCU has the most branches. $10,000, best rate first.
This credit union’s best
1st Bergen FCU
0.75%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $75
Primary Share Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
1st Bergen FCU savings score
82
Savings score
Higher than 60% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where 1st Bergen FCU ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Primary Share Account
0.75%APY
When you become a member, you open a Share Savings Account with a $5 minimum deposit held in the account to remain a member in good standing. No maintenance fees, no limits on transfers, and pays interest quarterly. Unlimited transfers to and from your checking account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceUnlimited transfers to and from your checking account. Pays interest quarterly.Any balance | 0.75% | $75 | Unlimited transfers to and from your checking account. Pays interest quarterly. |
Special-purpose accounts
Future Dream Club Savings
1.76%APY
Special savings club for long-term education savings for children. Make regular deposits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceSpecial Savings Club for Long-Term SavingAny balance | 1.76% | $176 | Special Savings Club for Long-Term Saving |
Teacher's Club Savings
1.26%APY
Exclusive to teachers and other educational support staff. Free to open and has no minimum balance requirements. Set up direct deposit to save a portion of paycheck; withdraw any amount / no fee withdrawal period from June 15 to September 1.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceSpecial account for education workers. No fee withdrawal period from June 15 to September 1Any balance | 1.26% | $126 | Special account for education workers. No fee withdrawal period from June 15 to September 1 |
Holiday Club Savings
0.80%APY
Free to open and has no minimum balance requirements. Automatically transfers back to share or checking account on November 15 of each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAutomatically transfers to your share on November 15Any balance | 0.80% | $80 | Automatically transfers to your share on November 15 |
Vacation Club Savings
0.80%APY
Free to open and has no minimum balance requirements. Automatically transfers back to share or checking account on May 15 of each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAutomatically transfers to your share on May 15Any balance | 0.80% | $80 | Automatically transfers to your share on May 15 |
Standard Club Savings
0.75%APY
Up to two extra savings accounts to organize your money. Free to open with no minimum balance requirements. Option to schedule automatic transfers each month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceUp to two extra savings accounts to organize your moneyAny balance | 0.75% | $75 | Up to two extra savings accounts to organize your money |
Who can join 1st Bergen FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals and organizations who live, work, worship, volunteer, go to school, or primarily conduct business in Bergen County NJ.
Employers and groups
- People and organizations served by the Community Action Network, including Greater Bergen Community Action and OCEAN Inc., are eligible to join.
Family and household
- Immediate family members of current members are eligible to join 1st Bergen.
Cost to join
- An individual membership requires an initial deposit of $5.00.
Membership information collected October 5, 2026.