Credit union · NCUA insured
Alliance Niagara Federal Credit Union Savings Rates
Alliance Niagara Federal Credit Union’s best savings rate is 0.75% APY on $10,000, with its Shares. Rates checked October 16, 2026.
How Alliance Niagara Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Buffalo, NY, where Alliance Niagara Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Alliance Niagara Federal Credit Union
0.75%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $75
Special Savings
Top rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Alliance Niagara Federal Credit Union savings score
82
Savings score
Higher than 60% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.75%
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 Alliance Niagara 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.
Shares
0.75%APY
Dividends calculated using average daily balance method. $100 minimum balance to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum to earn dividend$100 and up | 0.75% | $75 | $100 minimum to earn dividend |
Sources (3)
- allianceniagara.com/services
- allianceniagara.com/savings-rates
- allianceniagara.com/truth-in-savings-disclosure
All captured Sep 17, 2026
Special Savings
0.75%APY
Dividends calculated using average daily balance method. $100 minimum balance to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum to earn dividend$100 and up | 0.75% | $75 | $100 minimum to earn dividend |
Sources (3)
- allianceniagara.com/services
- allianceniagara.com/savings-rates
- allianceniagara.com/truth-in-savings-disclosure
All captured Sep 17, 2026
Special-purpose accounts
IRA Savers
1.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.25% | $125 |
Sources (1)
- allianceniagara.com/savings-rates · captured Sep 17, 2026
Christmas Club
0.60%APY
Dividends calculated using average daily balance method. $100 minimum balance to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum to earn dividend$100 and up | 0.60% | $60 | $100 minimum to earn dividend |
Sources (3)
- allianceniagara.com/services
- allianceniagara.com/savings-rates
- allianceniagara.com/truth-in-savings-disclosure
All captured Sep 17, 2026
Vacation Club
0.60%APY
Dividends calculated using average daily balance method. $100 minimum balance to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum to earn dividend$100 and up | 0.60% | $60 | $100 minimum to earn dividend |
Sources (3)
- allianceniagara.com/services
- allianceniagara.com/savings-rates
- allianceniagara.com/truth-in-savings-disclosure
All captured Sep 17, 2026
Who can join Alliance Niagara Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.