Credit union · NCUA insured
802 Credit Union Savings Rates
802 Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How 802 Credit Union’s savings rates compare
Compared with banks and credit unions near Lebanon, NH-VT, where 802 Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
802 Credit Union
1.00%APY
- Minimum
- $500
- Earns on $10,000 a year
- $100
Money Market Account
Top rate
Lighthouse Credit Union
3.85%APY
- Minimum
- —
- Earns on $10,000 a year
- $385
2nd-highest rate
Ledyard Bank
3.25%APY
- Minimum
- $10,000
- Earns on $10,000 a year
- $325
802 Credit Union savings score
85
Savings score
Higher than 71% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0002.25%
- QualifiedQualified1.00%
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 802 Credit Union 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.
Money Market Account
1.00%APY
A Base Shares, Youth Savings, or Business account is required to open. A $10.00 monthly fee is assessed for accounts that fall under the minimum balance. Dividends paid monthly. Up to six penalty-free withdrawals per month ($5 fee applies to each additional withdrawal).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $1,999Monthly fee waived when balance meets or exceeds the minimum balance requirement. Up to six penalty-free withdrawals per month ($5 fee applies to each additional withdrawal). | 0.50% | — | Monthly fee waived when balance meets or exceeds the minimum balance requirement. Up to six penalty-free withdrawals per month ($5 fee applies to each additional withdrawal). |
| $2,000 – $9,999Monthly fee waived when balance meets or exceeds the minimum balance requirement. Up to six penalty-free withdrawals per month ($5 fee applies to each additional withdrawal). | 0.75% | — | Monthly fee waived when balance meets or exceeds the minimum balance requirement. Up to six penalty-free withdrawals per month ($5 fee applies to each additional withdrawal). |
| $10,000 – $24,999Monthly fee waived when balance meets or exceeds the minimum balance requirement. Up to six penalty-free withdrawals per month ($5 fee applies to each additional withdrawal). | 1.00% | $100 | Monthly fee waived when balance meets or exceeds the minimum balance requirement. Up to six penalty-free withdrawals per month ($5 fee applies to each additional withdrawal). |
| $25,000 – $49,999Monthly fee waived when balance meets or exceeds the minimum balance requirement. Up to six penalty-free withdrawals per month ($5 fee applies to each additional withdrawal). | 1.50% | — | Monthly fee waived when balance meets or exceeds the minimum balance requirement. Up to six penalty-free withdrawals per month ($5 fee applies to each additional withdrawal). |
| $50,000 – $99,999Monthly fee waived when balance meets or exceeds the minimum balance requirement. Up to six penalty-free withdrawals per month ($5 fee applies to each additional withdrawal). | 2.00% | — | Monthly fee waived when balance meets or exceeds the minimum balance requirement. Up to six penalty-free withdrawals per month ($5 fee applies to each additional withdrawal). |
| $100,000 and upMonthly fee waived when balance meets or exceeds the minimum balance requirement. Up to six penalty-free withdrawals per month ($5 fee applies to each additional withdrawal). | 2.25% | — | Monthly fee waived when balance meets or exceeds the minimum balance requirement. Up to six penalty-free withdrawals per month ($5 fee applies to each additional withdrawal). |
Sources (3)
All captured Oct 22, 2026
Base Shares Account
0.30%APY
Required to become a member of 802 Credit Union; secures voting share. A member may only open one Base Shares account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends paid monthly. $25.00 minimum to receive dividends.$5 and up | 0.30% | $30 | Dividends paid monthly. $25.00 minimum to receive dividends. |
Sources (3)
All captured Oct 3, 2026
Special-purpose accounts
IRA Shares Account
0.75%APY
A Base Shares account is required to open an IRA Shares account. Compatible with Traditional or Roth IRA types.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid monthly. No minimum balance required.Any balance | 0.75% | $75 | Dividends paid monthly. No minimum balance required. |
Sources (3)
- 802cu.com/resources/banking/rates
- 802cu.com/accounts/retirement
- 802cu.com/accounts/retirement/ira-shares
All captured Oct 3, 2026
Club Accounts
0.30%APY
Types of club accounts include holiday, vacation, tax, and all-purpose.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid monthly.Any balance | 0.30% | $30 | Dividends paid monthly. |
Sources (2)
All captured Oct 3, 2026
Who can join 802 Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in Vermont or in Grafton, Sullivan, or Cheshire County, New Hampshire are eligible to join.
Family and household
- Individuals related to a current 802CU member are eligible to join.
Cost to join
- Members must maintain a minimum $5 balance in a savings account to keep membership active.
Membership information collected October 4, 2026.