Credit union · NCUA insured
ARC Federal Credit Union Savings Rates
Top CarrotARC Federal Credit Union’s best savings rate is 1.51% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How ARC Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Altoona, PA, where ARC Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
ARC Federal Credit Union
1.51%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $151
Money Market Account
Top rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Reliance Bank
2.00%APY
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000 a year
- $200
ARC Federal Credit Union savings score
88
Savings score
Higher than 82% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0001.51%
- $100,000 balance$100,0002.27%
- QualifiedQualified1.51%
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 ARC 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 Account
1.51%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $10,000 | 1.26% | — |
| $10,000 – $25,000 | 1.51% | $151 |
| $25,000 – $50,000 | 1.76% | — |
| $50,000 – $100,000 | 2.02% | — |
| $100,000 and up | 2.27% | — |
Sources (2)
All captured Oct 6, 2026
Base Share Account (Savings)
0.20%APY
Open with a $5 deposit to establish credit union membership and ownership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 0.20% | $20 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Traditional IRA Share Account
1.51%APY
Traditional IRA savings account with tiered dividend rates based on balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,000 | 0.20% | — |
| $2,000 – $10,000 | 1.26% | — |
| $10,000 – $25,000 | 1.51% | $151 |
| $25,000 – $50,000 | 1.76% | — |
| $50,000 – $100,000 | 2.02% | — |
| $100,000 and up | 2.27% | — |
Sources (2)
All captured Oct 6, 2026
Teen & Zoe's Club
0.35%APY
Savings options for minors (Zoe's Club for children up to age 12, Teen Account for ages 13–17). Zoe's Club opens with just a $5 deposit once child has a Social Security Number.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceSavings option for minors.Any balance | 0.35% | $35 | Savings option for minors. |
Sources (3)
- arcfcu.org/Products-Services/Accounts/Youth-Accounts
- arcfcu.org/Products-Services/Accounts/Share-Accounts
- arcfcu.org/Rates/Savings-Rates
All captured Oct 6, 2026
Christmas Club
0.20%APY
No minimum balance required. Open via online banking sub-account menu or at any branch.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required.Any balance | 0.20% | $20 | No minimum balance required. |
Sources (2)
All captured Oct 6, 2026
Vacation Club
0.20%APY
No minimum balance required. Open via online banking sub-account menu or at any branch.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required.Any balance | 0.20% | $20 | No minimum balance required. |
Sources (2)
All captured Oct 6, 2026
Who can join ARC Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.