Credit union · NCUA insured
AmeriChoice Federal Credit Union Savings Rates
Top CarrotAmeriChoice Federal Credit Union’s best savings rate is 1.50% APY on $10,000, with its Tiered Money Market Account. Rates checked October 16, 2026.
How AmeriChoice Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Harrisburg, PA, where AmeriChoice Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
AmeriChoice Federal Credit Union
1.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $150
Tiered Money Market Account
Top rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Pennian Bank
3.75%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $375
AmeriChoice Federal Credit Union savings score
87
Savings score
Higher than 78% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.50%
- $100,000 balance$100,0001.50%
- QualifiedQualified1.50%
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.
Where AmeriChoice 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.
Tiered Money Market Account
1.50%APY
Rates are subject to change without notice. The annual percentage yield is accurate as of the last dividend declaration date.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.00% | — |
| $2,500 – $10,000 | 1.50% | $150 |
| $10,000 – $25,000 | 1.50% | — |
| $25,000 – $75,000 | 1.50% | — |
| $75,000 – $150,000 | 1.50% | — |
| Over $150,000 | 1.50% | — |
Sources (1)
- americhoice.org/current-rates/savings · captured Sep 17, 2026
Share Savings
0.10%APY
As a member of the credit union, ownership is represented by shares, which double as a savings account. Fees may reduce earnings. APY is accurate as of the last dividend declaration date.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5 | 0.00% | — |
| $5 and up | 0.10% | $10 |
Sources (2)
All captured Sep 17, 2026
Sub Share Savings
0.10%APY
Personalize the account name to match savings goals. Fees may reduce earnings. APY is accurate as of the last dividend declaration date.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Coverdell Education Savings Account
0.15%APY
No minimum opening deposit required. $100 minimum required to earn dividends. Dividends calculated on daily balance and paid quarterly. Used to pay for qualified elementary and secondary education costs with tax-deferred earnings and tax-free distributions.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum balance required to earn dividends.$100 and up | 0.15% | $15 | $100 minimum balance required to earn dividends. |
Sources (2)
All captured Sep 17, 2026
Health Savings Account
0.15%APY
Must have coverage under a qualified High Deductible Health Plan (HDHP), have no other first-dollar medical coverage, not be enrolled in Medicare, and cannot be claimed as a dependent. Fee-free for the first year, $15 annually thereafter.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $999Fee-free for the first year ($15 annually thereafter). | 0.00% | — | Fee-free for the first year ($15 annually thereafter). |
| $1,000 and upFee-free for the first year ($15 annually thereafter). | 0.15% | $15 | Fee-free for the first year ($15 annually thereafter). |
Sources (2)
All captured Sep 17, 2026
Holiday Club
0.15%APY
Eligible product for member rewards. APY is accurate as of the last dividend declaration date.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (2)
All captured Sep 17, 2026
Home Savers Club
0.15%APY
Designed for first time home buyers to save for down payment with a customized savings plan. APY accurate as of last dividend declaration date.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (3)
- americhoice.org/banking/savings-for-everyone
- americhoice.org/banking/savings-for-everyone/home-savers
- americhoice.org/current-rates/savings
All captured Sep 17, 2026
Roth IRA
0.15%APY
No minimum opening deposit required. $100 minimum required to earn dividends. Dividends calculated on daily balance and paid quarterly. Contributions allowed at any age, qualified distributions are tax-free.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum balance required to earn dividends.$100 and up | 0.15% | $15 | $100 minimum balance required to earn dividends. |
Sources (2)
All captured Sep 17, 2026
Traditional IRA
0.15%APY
No minimum opening deposit required. $100 minimum required to earn dividends. Dividends calculated on daily balance and paid quarterly. Earnings accumulate tax-deferred and contributions are tax-deductible if qualified.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum balance required to earn dividends.$100 and up | 0.15% | $15 | $100 minimum balance required to earn dividends. |
Sources (2)
All captured Sep 17, 2026
Vacation Club
0.15%APY
Eligible product for member rewards. APY is accurate as of the last dividend declaration date.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (2)
All captured Sep 17, 2026
Who can join AmeriChoice 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 anyone who lives, works, worships, or attends school in Adams, Cumberland, Dauphin, Lebanon, Perry, or York counties in Pennsylvania.
Membership information collected October 5, 2026.