Credit union · NCUA insured
Alco Federal Credit Union Savings Rates
Alco Federal Credit Union’s best savings rate is 0.35% APY on $10,000, with its Money market. Rates checked October 16, 2026.
How Alco Federal Credit Union’s savings rates compare
Compared with banks and credit unions in New York, where Alco Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Alco Federal Credit Union
0.35%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $35
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
Family First Federal Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
Alco Federal Credit Union savings score
75
Savings score
Higher than 38% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0000.35%
- QualifiedQualified0.35%
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 Alco 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
0.35%APY
Three withdrawals allowed per month after which a fee will be imposed and withdrawal amounts must be at least $300.00. Dividends compounded and posted quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum opening deposit of $2500.00. Three withdrawals allowed per month after which a fee will be imposed and withdrawal amounts must be at least $300.00. Dividends compounded and posted quarterly.$2,500 and up | 0.35% | $35 | Minimum opening deposit of $2500.00. Three withdrawals allowed per month after which a fee will be imposed and withdrawal amounts must be at least $300.00. Dividends compounded and posted quarterly. |
Sources (2)
All captured Oct 16, 2026
Share (savings) account
0.25%APY
A competitive dividend rate is compounded and paid quarterly to accounts with an average daily balance of $100.00. Opening and minimum balance requirement of $5.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividend is $100.00. Dividends compounded and paid quarterly on average daily balance.$100 and up | 0.25% | $25 | Minimum balance to earn dividend is $100.00. Dividends compounded and paid quarterly on average daily balance. |
Special-purpose accounts
Individual retirement share accounts
0.65%APY
Dividends compounded and posted monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and posted monthly.Any balance | 0.65% | $65 | Dividends compounded and posted monthly. |
Christmas club
0.25%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividend is $100.00.$100 and up | 0.25% | $25 | Minimum balance to earn dividend is $100.00. |
Vacation club
0.25%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividend is $100.00.$100 and up | 0.25% | $25 | Minimum balance to earn dividend is $100.00. |
Who can join Alco 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, and business and other legal entities located in Allegany County, Cattaraugus County, Steuben County, and Wyoming County New York and McKean County and Potter County Pennsylvania are eligible for membership.
Employers and groups
- Employees of the credit union are eligible for membership.
Family and household
- Members of the immediate family or household of eligible persons are eligible for membership.
- Spouses of persons who died while within the field of membership of the credit union are eligible for membership.
Other ways
- Organizations of persons within the field of membership are eligible for membership.
- Volunteers in the community are eligible for membership.
Membership information collected October 5, 2026.