Credit union · NCUA insured
Amherst Federal Credit Union Savings Rates
Amherst Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Share (Savings) Account. Rates checked October 16, 2026.
How Amherst Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Buffalo, NY, where Amherst Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Amherst Federal Credit Union
0.25%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $25
Share (Savings) Account
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
Amherst Federal Credit Union savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.25%
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 Amherst 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.
Share (Savings) Account
0.25%APY
A deposit of one share ($5.00) is required for membership. Dividends are declared and paid quarterly by the Board of Directors on the average daily balance. Inactive accounts (no deposit or withdrawal for 24+ months) are charged a $15.00 quarterly fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends earned on average daily balance and paid quarterly; APY assumes dividends remain on deposit for one year.$100 and up | 0.25% | $25 | Dividends earned on average daily balance and paid quarterly; APY assumes dividends remain on deposit for one year. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Holiday Club Account
0.25%APY
Club money is held and can only be withdrawn with a fee prior to automatically being transferred into your share (savings) account on the 1st of November.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends earned on average daily balance and paid quarterly; APY assumes dividends remain on deposit for one year.$100 and up | 0.25% | $25 | Dividends earned on average daily balance and paid quarterly; APY assumes dividends remain on deposit for one year. |
Sources (2)
All captured Oct 5, 2026
Who can join Amherst 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
- Open to businesses and other legal entities located in the Towns of Amherst, Cheektowaga, West Seneca or the Village of Depew in Erie County, New York.
- Open to persons who live, work, worship, or attend school in the Towns of Amherst, Cheektowaga, West Seneca or the Village of Depew in Erie County, New York.
Employers and groups
- Open to employees of this credit union.
- Open to organizations of eligible persons.
Family and household
- Open to members of the immediate family or household of eligible persons.
- Open to spouses of persons who died while within the field of membership of this credit union.
1 more way to join
Other ways
- Open to volunteers in the community.
Membership information collected October 5, 2026.