Credit union · NCUA insured
Adirondack Federal Credit Union Savings Rates
Adirondack Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Share Savings Accounts. Rates checked October 16, 2026.
How Adirondack Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Plattsburgh, NY, where Adirondack Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Adirondack Federal Credit Union
1.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $125
High Yield Savings
Top rate
UFirst Federal Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
2nd-highest rate
North Country Savings Bank
3.56%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $356
Adirondack Federal Credit Union savings score
85
Savings score
Higher than 71% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.25%
- $100,000 balance$100,0000.40%
- QualifiedQualified1.25%
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 Adirondack Federal 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.
Share 15 Money Market
1.25%APY
Membership eligibility requires living, working, worshiping, or attending school in Essex, Franklin, St. Lawrence, or Clinton counties.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500No fees that could reduce earnings; no penalties for early withdrawals. | 0.01% | — | No fees that could reduce earnings; no penalties for early withdrawals. |
| $2,500 – $74,999No fees that could reduce earnings; no penalties for early withdrawals. | 1.25% | $125 | No fees that could reduce earnings; no penalties for early withdrawals. |
| $75,000 – $149,999No fees that could reduce earnings; no penalties for early withdrawals. | 0.40% | — | No fees that could reduce earnings; no penalties for early withdrawals. |
| $150,000 and upNo fees that could reduce earnings; no penalties for early withdrawals. | 0.25% | — | No fees that could reduce earnings; no penalties for early withdrawals. |
High Yield Savings
1.25%APY
Adirondack Federal Credit Union must be primary financial institution. No fees associated with these accounts that could reduce earnings, and no penalties for early withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Less than $2,500 | 0.01% | — | Less than $2,500 |
| $2,500 – $74,999$2,500 - $74,999 | 1.25% | $125 | $2,500 - $74,999 |
| $75,000 – $149,999$75,000 - $149,999 | 0.40% | — | $75,000 - $149,999 |
| $150,000 and up$150,000+ | 0.25% | — | $150,000+ |
Sources (2)
All captured Oct 5, 2026
Share Savings Accounts
0.10%APY
Open for as little as $5.00. Once your account reaches at least a $100 balance, you start earning money in the form of a dividend.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRegular Shares. Minimum balance of $100 required to earn dividends.$100 and up | 0.10% | $10 | Regular Shares. Minimum balance of $100 required to earn dividends. |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
0.10%APY
IRA savings accounts designated for retirement.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRegular Shares | 0.10% | $10 | Regular Shares |
| $15,000 and upRegular Shares > $15,000 | 0.55% | — | Regular Shares > $15,000 |
Sources (2)
All captured Oct 5, 2026
Christmas Club Accounts
0.10%APY
Funds deposited are only available after October 15. Christmas Club accounts with $100 or greater earn interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upAll Club Accounts rate tier. Funds available after October 15.$100 and up | 0.10% | $10 | All Club Accounts rate tier. Funds available after October 15. |
Sources (3)
- adkcreditunion.com/checking-savings
- adkcreditunion.com/savings/christmas-accounts
- adkcreditunion.com/savings/traditional
All captured Oct 5, 2026
Vacation Club Accounts
0.10%APY
Accounts with $100 or greater earn interest. Supports automatic payroll deposits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upAll Club Accounts rate tier. Accounts with $100 or greater earn interest.$100 and up | 0.10% | $10 | All Club Accounts rate tier. Accounts with $100 or greater earn interest. |
Sources (3)
- adkcreditunion.com/checking-savings
- adkcreditunion.com/savings/traditional
- adkcreditunion.com/savings/vacation-accounts
All captured Oct 5, 2026
Who can join Adirondack Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Clinton, Essex, Franklin, or select towns in St. Lawrence County, NY are eligible to join.
Family and household
- Immediate family members of individuals qualifying under the geographic field of membership are eligible to join.
Membership information collected October 5, 2026.