Credit union · NCUA insured
Advanced Financial Federal Credit Union Savings Rates
Advanced Financial Federal Credit Union’s best savings rate is 0.95% APY on $10,000, with its Money Market Accounts. Rates checked October 22, 2026.
How Advanced Financial Federal Credit Union’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where Advanced Financial Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Advanced Financial Federal Credit Union
0.95%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $95
Money Market Accounts
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
Advanced Financial Federal Credit Union savings score
84
Savings score
Higher than 66% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.95%
- $100,000 balance$100,0002.07%
- QualifiedQualified0.95%
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 Advanced Financial 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.
Money Market Accounts
0.95%APY
Dividends are tiered and paid monthly calculated on the average daily balance for the month. Minimum balance to earn dividends is $2,000. Fees could affect earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $19,999Fees could affect earnings. Dividends calculated on the average daily balance for the month. Minimum balance to earn dividends $2,000. | 0.95% | $95 | Fees could affect earnings. Dividends calculated on the average daily balance for the month. Minimum balance to earn dividends $2,000. |
| $20,000 – $49,999Fees could affect earnings. Dividends calculated on the average daily balance for the month. Minimum balance to earn dividends $2,000. | 1.16% | — | Fees could affect earnings. Dividends calculated on the average daily balance for the month. Minimum balance to earn dividends $2,000. |
| $50,000 – $99,999Fees could affect earnings. Dividends calculated on the average daily balance for the month. Minimum balance to earn dividends $2,000. | 1.66% | — | Fees could affect earnings. Dividends calculated on the average daily balance for the month. Minimum balance to earn dividends $2,000. |
| $100,000 – $249,999Fees could affect earnings. Dividends calculated on the average daily balance for the month. Minimum balance to earn dividends $2,000. | 2.07% | — | Fees could affect earnings. Dividends calculated on the average daily balance for the month. Minimum balance to earn dividends $2,000. |
| $250,000 – $499,999Fees could affect earnings. Dividends calculated on the average daily balance for the month. Minimum balance to earn dividends $2,000. | 2.48% | — | Fees could affect earnings. Dividends calculated on the average daily balance for the month. Minimum balance to earn dividends $2,000. |
| $500,000 and upFees could affect earnings. Dividends calculated on the average daily balance for the month. Minimum balance to earn dividends $2,000. | 2.89% | — | Fees could affect earnings. Dividends calculated on the average daily balance for the month. Minimum balance to earn dividends $2,000. |
Primary Share Savings
0.20%APY
A Primary Savings account is needed to open any other accounts. Minimum $5 deposit required to open and maintain ownership share/earn dividends. Direct deposit and e-statements available.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.20% | $20 |
Special-purpose accounts
Education ESA
0.20%APY
Coverdell Education Savings Account (ESA). Fees can affect earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (1)
- advfinfcu.com/rates · captured Sep 19, 2026
Holiday Savings Account
0.20%APY
Matures each October. Funds automatically transfer to Primary Share Savings upon maturity. No monthly service fees. No minimum balance requirements.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.20% | $20 |
IRA Share Savings Accounts
0.20%APY
Covers Traditional and Roth IRA Share Savings accounts. Fees can affect earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceIRA Roth/Traditional SavingsAny balance | 0.20% | $20 | IRA Roth/Traditional Savings |
Kids Savings
0.20%APY
Designed for members from birth to age 18. Requires child SSN and ID/Passport/Birth Certificate, plus adult joint owner.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (1)
- advfinfcu.com/banking-savings · captured Sep 19, 2026
Vacation Savings Account
0.20%APY
Matures each April. Funds automatically transfer to Primary Share Savings upon maturity. No monthly service fees. No minimum balance requirements.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.20% | $20 |
Who can join Advanced Financial 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
- Membership is open to anyone who lives, works, attends school, or worships in Union and Essex counties, New Jersey.
Employers and groups
- Businesses, legal entities, or unincorporated organizations of members located in Essex or Union County are eligible for membership.
Family and household
- Membership is open to immediate family members (spouse, children, parents, siblings, grandparents, grandkids, stepparents, stepchildren, stepsiblings, and adoptive relationships) and household members sharing an address with eligible individuals.
Cost to join
- A minimum deposit of $5.00 is required to open a Primary Savings account to establish membership.
Membership information collected October 5, 2026.