All One Credit Union Savings & Money Market Rates

How All One Credit Union’s savings rates compare

Compared with banks and credit unions near Worcester, MA, where All One Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
All One Credit Union
2.50%APY
Requires
None
Minimum
$1,000
Earns on $10,000 a year
$250
Top Tier Money Market Account
Top rate
Clinton Savings Bank
3.85%APY
Requires
None
Minimum
$100
Earns on $10,000 a year
$385
Clinton Savings Bank rates
2nd-highest rate
Country Bank for Savings
3.60%APY
Requires
Another account
Minimum
$10
Earns on $10,000 a year
$360
Country Bank for Savings rates

Compare savings rates near you →

Savings score

Higher than 90% of U.S. banks and credit unions

By balance

$1,000 balance$1,0002.50%
$10,000 balance$10,0002.50%
$100,000 balance$100,0002.50%
QualifiedQualified2.50%

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.

How the score works →

Where All One 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.

Top Tier Money Market Account

2.50%APY$1,000 to open

Consumer accounts only. Membership requirements apply. Minimum deposit of $1,000.00 required to open.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$1,000 – $100,000Minimum deposit of $1,000.00 required to open the account. Minimum $1,000.00 to earn dividend.	2.50%	$250	Minimum deposit of $1,000.00 required to open the account. Minimum $1,000.00 to earn dividend.
$100,000 – $250,000Minimum deposit of $1,000.00 required to open the account. Minimum $100,000.01 to earn dividend.	2.75%	—	Minimum deposit of $1,000.00 required to open the account. Minimum $100,000.01 to earn dividend.
$250,000 – $500,000Minimum deposit of $1,000.00 required to open the account. Minimum $250,000.01 to earn dividend.	2.75%	—	Minimum deposit of $1,000.00 required to open the account. Minimum $250,000.01 to earn dividend.
Over $500,000Minimum deposit of $1,000.00 required to open the account. Minimum $500,000.01 to earn dividend.	3.00%	—	Minimum deposit of $1,000.00 required to open the account. Minimum $500,000.01 to earn dividend.

Sources (3)

All captured Sep 18, 2026

Incredible Interest Savings

Up to 2.00%APYRequirements apply$5 to open

Must have an Incredible Interest Checking account to open and hold the account. Account may not be used for commercial purposes. Qualifications each monthly cycle: at least 15 debit card POS transactions post and settle, receive monthly statement electronically, and receive at least one direct deposit or ACH debit. Interest and ATM reimbursements from Incredible Interest Checking automatically transfer each cycle.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $100,000Qualifying rate on balances up to $100,000.00 when Incredible Interest Checking qualifications are met. Minimum to earn dividend is $3.00.	2.00%	$200	Qualifying rate on balances up to $100,000.00 when Incredible Interest Checking qualifications are met. Minimum to earn dividend is $3.00.
$110 and upApplies to all balances if Incredible Interest Checking qualifications are not met. Minimum to earn dividend is $110.00.	0.05%	$5	Applies to all balances if Incredible Interest Checking qualifications are not met. Minimum to earn dividend is $110.00.

Sources (4)

All captured Oct 5, 2026

Incredible Interest Money Market Account

0.75%APY$25,000 to open

E-statements are a requirement of the account. Must maintain a minimum available balance of $25,000.00 to avoid a monthly service charge fee of $30.00. Membership requirements apply.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $250,000Minimum deposit of $25,000.00 required to open the account. Minimum $12.00 to earn dividend. $30.00 monthly fee waived if minimum available balance of $25,000.00 is maintained. E-statements required.	0.75%	$75	Minimum deposit of $25,000.00 required to open the account. Minimum $12.00 to earn dividend. $30.00 monthly fee waived if minimum available balance of $25,000.00 is maintained. E-statements required.
Over $250,000Minimum deposit of $25,000.00 required to open the account. Minimum $250,000.01 to earn dividend. 0.25% APY is earned on the portion of the balance over $250,000.00. $30.00 monthly fee waived if minimum available balance of $25,000.00 is maintained. E-statements required.	0.25%	—	Minimum deposit of $25,000.00 required to open the account. Minimum $250,000.01 to earn dividend. 0.25% APY is earned on the portion of the balance over $250,000.00. $30.00 monthly fee waived if minimum available balance of $25,000.00 is maintained. E-statements required.

Sources (2)

All captured Sep 18, 2026

Premium Savings

0.15%APYRequirements apply$5 to open

Must be linked to an AOCU checking account.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $50,000Minimum balance of $40 to earn dividend.	0.15%	$15	Minimum balance of $40 to earn dividend.
Over $50,000Minimum balance of $50,000.01 to earn dividend.	0.35%	—	Minimum balance of $50,000.01 to earn dividend.

Sources (3)

All captured Oct 5, 2026

Premium Money Market Account

0.15%APY$1,000 to open

Must maintain a minimum daily balance of $1,000.00 to avoid a monthly service charge fee of $5.00. Membership requirements apply.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $50,000Minimum deposit of $1,000.00 required to open account. Minimum $61.00 to earn dividend. $5.00 monthly fee waived if minimum daily balance of $1,000.00 is maintained.	0.15%	$15	Minimum deposit of $1,000.00 required to open account. Minimum $61.00 to earn dividend. $5.00 monthly fee waived if minimum daily balance of $1,000.00 is maintained.
$50,000 and upMinimum deposit of $1,000.00 required to open account. Minimum $50,000.00 to earn dividend. $5.00 monthly fee waived if minimum daily balance of $1,000.00 is maintained.	0.30%	—	Minimum deposit of $1,000.00 required to open account. Minimum $50,000.00 to earn dividend. $5.00 monthly fee waived if minimum daily balance of $1,000.00 is maintained.

Sources (2)

All captured Sep 18, 2026

Membership/Basic Savings Account

0.10%APY$5 to open

Deposit relationship of $5.00 required for membership.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$61 and upMinimum balance of $61 required to earn dividend.$61 and up	0.10%	$10	Minimum balance of $61 required to earn dividend.

Sources (3)

All captured Oct 5, 2026

Special-purpose accounts

Daily IRA Savings Account

0.25%APYIRA$5 to open

Early withdrawal penalties may be imposed. Membership requirements apply.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upMinimum of $5 to open and earn dividend.$5 and up	0.25%	$25	Minimum of $5 to open and earn dividend.

Sources (2)

All captured Oct 5, 2026

Holiday Club Account

0.10%APYClub$5 to open

Club deposits can begin anytime; funds will be deposited into AOCU Membership Savings or Checking in November.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$61 and upMinimum balance of $61 required to earn dividend. No fees.$61 and up	0.10%	$10	Minimum balance of $61 required to earn dividend. No fees.

Sources (3)

All captured Oct 5, 2026

Vacation Club Account

0.10%APYClub$5 to open

Funds are available at any time.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$61 and upMinimum balance of $61 required to earn dividend. No fees.$61 and up	0.10%	$10	Minimum balance of $61 required to earn dividend. No fees.

Sources (3)

All captured Oct 5, 2026

Closed to new customers

Sterling Set

0.15%APY$5 to open

Account no longer offered.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,000Minimum balance of $61 to earn dividend.	0.10%	—	Minimum balance of $61 to earn dividend.
$2,000 and upMinimum balance of $2,000.00 to earn dividend.	0.15%	$15	Minimum balance of $2,000.00 to earn dividend.

Sources (2)

All captured Oct 5, 2026

Who can join All One Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Individuals who live, work, or have business in Worcester, Middlesex, Norfolk, Hampden, Franklin, or Hampshire Counties in Massachusetts are eligible for membership.

Employers and groups

Individuals who are members of religious, civic, or charitable organizations with their principal place of business in Worcester, Middlesex, Norfolk, Hampden, Franklin, or Hampshire Counties in Massachusetts are eligible for membership.

Family and household

Family members of current All One Credit Union members—specifically spouse, mother, father, son, daughter, grandparent, grandchild, brother, sister, stepchild, or stepparent guardian—are eligible for membership regardless of where they live.

Cost to join

Members must maintain a minimum of a $5.00 savings account.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

← All One Credit Union overview

How All One Credit Union’s savings rates compare

All One Credit Union savings score

Current savings rates

Top Tier Money Market Account

Incredible Interest Savings

Incredible Interest Money Market Account

Premium Savings

Premium Money Market Account

Membership/Basic Savings Account

Special-purpose accounts

Daily IRA Savings Account

Holiday Club Account

Vacation Club Account

Closed to new customers

Sterling Set

Who can join All One Credit Union

Where you live or work

Employers and groups

Family and household

Cost to join