Credit union · NCUA insured
BCPSFCU Savings Rates
BCPSFCU’s best savings rate is 0.00% APY on $10,000, with its Share Savings Accounts. Rates checked October 22, 2026.
How BCPSFCU’s savings rates compare
Compared with banks and credit unions near Hagerstown, MD-WV, where BCPSFCU has the most branches. $10,000, best rate first.
This credit union’s best
BCPSFCU
0.00%APY
- Minimum
- $5
- Earns on $10,000 a year
- $0
Share Savings Accounts
Top rate
Mountain Heritage Federal Credit Union
2.53%APY
- Minimum
- —
- Earns on $10,000 a year
- $253
2nd-highest rate
Washington County Teachers Federal Credit Union
1.75%APY
- Minimum
- $0
- Earns on $10,000 a year
- $175
BCPSFCU savings score
60
Savings score
Higher than 0% of U.S. banks and credit unions
- $1,000 balance$1,0000.00%
- $10,000 balance$10,0000.00%
- $100,000 balance$100,0000.00%
- QualifiedQualified0.00%
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 BCPSFCU 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 Accounts
0.00%APY
Establishes membership with the credit union. $5.00 non-refundable membership fee. Payroll Deduction and Direct Deposit available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upRequires an average daily balance of $50.00 or above to earn stated dividend rate and APY.$50 and up | 0.00% | $0 | Requires an average daily balance of $50.00 or above to earn stated dividend rate and APY. |
Special-purpose accounts
Christmas Club
0.00%APY
No minimum balance required. Account matures annually on or around October 15th. Penalty may apply for early withdrawals. Payroll Deduction available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upRequires an average daily balance of $50.00 or above to earn stated dividend rate and APY. Account matures annually on or around October 15th. Early withdrawal penalty may apply.$50 and up | 0.00% | $0 | Requires an average daily balance of $50.00 or above to earn stated dividend rate and APY. Account matures annually on or around October 15th. Early withdrawal penalty may apply. |
Vacation Club/Summer Savings
0.00%APY
No minimum balance required. Account matures annually on or around June 25th. Penalty may apply for early withdrawals. Payroll Deduction available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upRequires an average daily balance of $50.00 or above to earn stated dividend rate and APY. Account matures annually on or around June 25th. Early withdrawal penalty may apply.$50 and up | 0.00% | $0 | Requires an average daily balance of $50.00 or above to earn stated dividend rate and APY. Account matures annually on or around June 25th. Early withdrawal penalty may apply. |
Who can join BCPSFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Full time employees of Berkeley County Schools are eligible to join.
Family and household
- Immediate family members (spouses, children, parents, brothers, sisters, grandparents, and grandchildren) of members are eligible to join.
Cost to join
- A $5.00 membership fee is required at the time of opening an account.
- A minimum share deposit of $5.00 in a shares (savings) account is required to establish ownership.
Membership information collected October 4, 2026.