Credit union · NCUA insured
Advantage Financial Federal Credit Union Savings Rates
Advantage Financial Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its High Yield Money Market. Rates checked October 22, 2026.
How Advantage Financial Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Advantage Financial Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Advantage Financial Federal Credit Union
0.10%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $10
High Yield Money Market
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
Advantage Financial Federal Credit Union savings score
63
Savings score
Higher than 9% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.10%
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 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.
High Yield Money Market
0.10%APY
Tiered rates on balances of $2,500 or more. Earnings compounded monthly. Unlimited in-person withdrawals or by mail; 6 preauthorized electronic withdrawals per month. Paper statements subject to a $1.00 fee; avoid by opting into e-statements. Dividends calculated based on average daily balance. Dividend rates are variable.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.00% | — |
| $2,500 – $75,000 | 0.10% | $10 |
| $75,000 – $175,000 | 0.15% | — |
| $175,000 and up | 0.20% | — |
Sources (2)
All captured Oct 3, 2026
Share Savings
0.05%APY
Your share of ownership in Advantage Financial. Must meet membership eligibility requirements. $5 minimum balance required for membership. Dividends calculated based on average daily balance and compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Min. Daily Avg. Balance Less than $100.00. No monthly service charges. | 0.00% | — | Min. Daily Avg. Balance Less than $100.00. No monthly service charges. |
| Over $100Min. Daily Avg. Balance $100.01 or more. No monthly service charges. | 0.05% | $5 | Min. Daily Avg. Balance $100.01 or more. No monthly service charges. |
Sources (3)
- advfcu.org/services-tools/tools/rates.html
- advfcu.org/accounts/personal-savings
- advfcu.org/accounts/personal-savings/savings.html
All captured Oct 15, 2026
Special-purpose accounts
Youth Savings
0.05%APY
For members ages 16 and younger. Parent or guardian must have joint ownership of the account. $5 annual birthday deposit until age 16. Deposit match for the first six months up to $25.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Tier 1: Bonus dividend rate of 1% APY paid on balances up to $500. No monthly service charges. | 1.00% | — | Tier 1: Bonus dividend rate of 1% APY paid on balances up to $500. No monthly service charges. |
| Over $500Tier 2: Balances in excess of $500 earn the regular share dividend rate (0.05% APY). | 0.05% | $5 | Tier 2: Balances in excess of $500 earn the regular share dividend rate (0.05% APY). |
Sources (3)
- advfcu.org/accounts/youth-accounts
- advfcu.org/accounts/youth-accounts/youth-savings.html
- advfcu.org/services-tools/tools/rates.html
All captured Oct 15, 2026
Individual Retirement Account (IRA) Share Savings
0.25%APY
Traditional IRA, Roth IRA, and Coverdell ESA options available. Regular deposits allowed, rollovers and transfers accepted. Withdrawals may be subject to penalty/taxes.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo setup, monthly, or annual maintenance fees. Dividends calculated based on average daily balance and compounded monthly.Any balance | 0.25% | $25 | No setup, monthly, or annual maintenance fees. Dividends calculated based on average daily balance and compounded monthly. |
Sources (3)
- advfcu.org/services-tools/tools/rates.html
- advfcu.org/accounts/personal-savings
- advfcu.org/accounts/personal-s…ement-accounts-iras.html
All captured Oct 15, 2026
Holiday Club
0.05%APY
Save year-round for holiday expenses. Funds automatically distributed in October once a year. Early withdrawal subject to penalty/fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMin. Daily Avg. Balance $5.00 or more. Competitive dividends on entire balance. No monthly service charges.$5 and up | 0.05% | $5 | Min. Daily Avg. Balance $5.00 or more. Competitive dividends on entire balance. No monthly service charges. |
Sources (3)
- advfcu.org/services-tools/tools/rates.html
- advfcu.org/accounts/personal-savings
- advfcu.org/accounts/personal-savings/holiday-club.html
All captured Oct 15, 2026
Vacation Club
0.05%APY
Save year-round for vacation expenses. Funds available anytime.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMin. Daily Avg. Balance $5.00 or more. Competitive dividends on entire balance. No monthly service charges.$5 and up | 0.05% | $5 | Min. Daily Avg. Balance $5.00 or more. Competitive dividends on entire balance. No monthly service charges. |
Sources (3)
- advfcu.org/services-tools/tools/rates.html
- advfcu.org/accounts/personal-savings
- advfcu.org/accounts/personal-savings/holiday-club.html
All captured Oct 15, 2026
Who can join Advantage 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
- All individuals who live, work, worship, or go to school in Washington, D.C. are eligible for membership.
Military, government and schools
- Albany Stratton VA Medical Center, Albany, NY employees and contractors are eligible for membership.
- Members of American Legion Fort Orange Post 30 are eligible for membership.
- U.S. Veterans who are members of AmVets serviced at the Albany Stratton VA Medical Center are eligible for membership.
- U.S. Veterans who are members of AmVets serviced at VA Medical Center Brooklyn are eligible for membership.
- Members of Disabled American Veterans Marcelle-Nolan Chapter 158 are eligible for membership.
7 more ways to join
Military, government and schools
- Members of Disabled American Veterans Rev. Frances A. Kelley Chapter 38 are eligible for membership.
- Department of Defense civilian and military personnel at Fort Hamilton, Brooklyn, NY are eligible for membership.
- VA Regional Office, Albany, NY employees and contractors are eligible for membership.
- VA Medical Center Brooklyn, NY employees and contractors are eligible for membership.
- Department of Veterans Affairs (VA) Central Office employees and contractors are eligible for membership.
- VA Philadelphia Regional Benefit Office employees and contractors in Philadelphia, PA are eligible for membership.
Family and household
- Family members of existing Advantage Financial members (including spouse, children, parents, brothers, sisters, stepchildren, stepparents, grandchildren, grandparents, domestic partners) and individuals living in the same household are eligible to join.
Membership information collected October 4, 2026.