Credit union · NCUA insured
Advantage Federal Credit Union Savings Rates
Advantage Federal Credit Union’s best savings rate is 0.08% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Advantage Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Rochester, NY, where Advantage Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Advantage Federal Credit Union
0.08%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $8
Money Market
Top rate
Family First Federal Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Advantage Federal Credit Union savings score
63
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0000.08%
- $100,000 balance$100,0002.00%
- QualifiedQualified0.08%
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 Advantage 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.
Super Saver
Up to 3.50%APY
New money only. Balances less than $50,000 will not earn interest. Minimum balance to open is $75,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50,000 – $149,999Interest paid monthly and calculated using daily balance method. | 2.00% | — | Interest paid monthly and calculated using daily balance method. |
| $150,000 – $249,999Interest paid monthly and calculated using daily balance method. | 2.50% | — | Interest paid monthly and calculated using daily balance method. |
| $250,000 – $349,999Interest paid monthly and calculated using daily balance method. | 2.75% | — | Interest paid monthly and calculated using daily balance method. |
| $350,000 – $499,999Interest paid monthly and calculated using daily balance method. | 3.00% | — | Interest paid monthly and calculated using daily balance method. |
| $500,000 and upInterest paid monthly and calculated using daily balance method. | 3.50% | — | Interest paid monthly and calculated using daily balance method. |
Money Market
0.08%APY
Minimum balance to open is $2,500. Minimum balance required to maintain the account is $2,000; balances below $2,000 are assessed a monthly $5.00 service charge. Interest is paid monthly and calculated using daily balance method.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999Interest paid monthly; calculated using daily balance method. $5.00 monthly service charge if balance falls below $2,000. | 0.05% | — | Interest paid monthly; calculated using daily balance method. $5.00 monthly service charge if balance falls below $2,000. |
| $10,000 – $24,999Interest paid monthly; calculated using daily balance method. $5.00 monthly service charge if balance falls below $2,000. | 0.08% | $8 | Interest paid monthly; calculated using daily balance method. $5.00 monthly service charge if balance falls below $2,000. |
| $25,000 – $49,999Interest paid monthly; calculated using daily balance method. $5.00 monthly service charge if balance falls below $2,000. | 0.10% | — | Interest paid monthly; calculated using daily balance method. $5.00 monthly service charge if balance falls below $2,000. |
| $50,000 and upInterest paid monthly; calculated using daily balance method. $5.00 monthly service charge if balance falls below $2,000. | 0.12% | — | Interest paid monthly; calculated using daily balance method. $5.00 monthly service charge if balance falls below $2,000. |
Sources (1)
- advantagefcu.org/rates · captured Oct 6, 2026
Basic
0.03%APY
Automatic access to Basic (Share) Savings Account upon becoming a member. Funds can be deposited or withdrawn at discretion.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly. No minimum balance to maintain.Any balance | 0.03% | $3 | Dividends paid quarterly. No minimum balance to maintain. |
Special-purpose accounts
Round-Up Savings
3.03%APY
Available only with Rewards Checking and Student Checking accounts. Each debit card purchase is rounded up to the next whole dollar and transferred to Round-Up Savings. Does not permit deposits or transfers outside of eligible debit transactions, dividends, round-up bonuses, or promotional incentives.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends paid quarterly on balances greater than $0.01 and calculated using daily balance method. Only round-up transactions accepted.Over $0 | 3.03% | $303 | Dividends paid quarterly on balances greater than $0.01 and calculated using daily balance method. Only round-up transactions accepted. |
Sources (3)
All captured Oct 6, 2026
Youth Savings
3.03%APY
Must be 15 years or younger and accompanied by an adult parent/guardian. Joint membership with parent/guardian. Withdrawals by primary account holder only.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Dividends paid quarterly. | 3.03% | $303 | Dividends paid quarterly. |
| $10,001 and upDividends paid quarterly. | 0.50% | — | Dividends paid quarterly. |
IRA Shares
0.45%APY
Available in Traditional or Roth IRA plans with no transfer fees, no maintenance fees, and no commissions.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly.Any balance | 0.45% | $45 | Dividends paid quarterly. |
Holiday Club
0.03%APY
Payroll deduction savings transferred to checking in October. Fee charged if withdrawn before October 15th unless within 7 days of opening. No minimum balance to maintain.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly.Any balance | 0.03% | $3 | Dividends paid quarterly. |
Spread-the-Check
0.03%APY
Payroll deduction savings designed for 10-month pay schedules, disbursed over summer months beginning in July. $5.00 service charge for unscheduled withdrawals during the year (waived if entire balance is withdrawn as lump sum during July-August).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends calculated on actual daily balance and paid quarterly at variable rate.Any balance | 0.03% | $3 | Dividends calculated on actual daily balance and paid quarterly at variable rate. |
Vacation Club
0.03%APY
Payroll deduction savings transferred to checking in April.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly.Any balance | 0.03% | $3 | Dividends paid quarterly. |
Who can join Advantage 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 individuals who live, work, worship, volunteer, or attend school in the City of Rochester (zip codes 14604–14616, 14619–14621, 14627, 14649, or 14652).
Employers and groups
- Membership is open to employees, retirees, and volunteers of Advantage Select Employer Groups.
Military, government and schools
- Membership is open to any public, private, or parochial school, university, or college in Monroe County not currently served by a credit union.
Family and household
- Membership is open to immediate family members and household members of individuals who are eligible for membership.
Cost to join
- Membership requires purchasing and maintaining one membership share with a par value of $5.00.
Membership information collected October 5, 2026.