Credit union · NCUA insured
Beginnings Credit Union Savings Rates
Beginnings Credit Union’s best savings rate is 0.40% APY on $10,000, with its Money Market Savings. Rates checked October 16, 2026.
How Beginnings Credit Union’s savings rates compare
Compared with banks and credit unions near Ithaca, NY, where Beginnings Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Beginnings Credit Union
0.40%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $40
Money Market Savings
Top rate
Visions Federal Credit Union
1.00%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $100
2nd-highest rate
The First National Bank of Groton
0.75%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $75
Beginnings Credit Union savings score
75
Savings score
Higher than 38% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.40%
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 Beginnings 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 Savings
0.40%APY
Minimum to open and earn APY is $2,500. Variable rate compounded monthly, may change after account is opened. Fees may reduce earnings. No monthly service fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Compounded Monthly. Variable rate. | 0.30% | — | Compounded Monthly. Variable rate. |
| $10,000 – $25,000Compounded Monthly. Variable rate. | 0.40% | $40 | Compounded Monthly. Variable rate. |
| $25,000 – $50,000Compounded Monthly. Variable rate. | 0.50% | — | Compounded Monthly. Variable rate. |
| $50,000 – $100,000Compounded Monthly. Variable rate. | 0.60% | — | Compounded Monthly. Variable rate. |
| $100,000 and upCompounded Monthly. Variable rate. | 0.75% | — | Compounded Monthly. Variable rate. |
Sources (2)
All captured Sep 25, 2026
Goal Savings
0.05%APY
Account limitations apply: entire balance will be transferred to another account of yours on or after the day selected and the account will remain open. If closed within 7 days of opening, accrued dividends will be paid; otherwise accrued uncredited dividends are forfeited upon closure. No minimum balance required to maintain account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum $100 to earn APY. Compounded monthly. Variable rate.$100 and up | 0.05% | $5 | Minimum $100 to earn APY. Compounded monthly. Variable rate. |
Sources (3)
- beginnings.com/docs/default-so…2025-final-flattened.pdf
- beginnings.com/personal/deposi…nts-in-cortland-new-york
- beginnings.com/other/rates
All captured Sep 17, 2026
Membership Savings
0.05%APY
Requires maintaining membership at Beginnings Credit Union with a $5.00 share. Monthly service fee is $0.00. Dividends compounded and credited monthly based on daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum $100 daily balance to earn APY. Compounded monthly. Variable rate.$100 and up | 0.05% | $5 | Minimum $100 daily balance to earn APY. Compounded monthly. Variable rate. |
Special-purpose accounts
IRA Savings
1.75%APY
Available in Traditional IRA and Roth IRA options. If balance falls below and remains below $25.00 for 6 consecutive months, account may be terminated. Monthly service fee is $0.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum $100 to earn APY. Compounded monthly. Variable rate.$100 and up | 1.75% | $175 | Minimum $100 to earn APY. Compounded monthly. Variable rate. |
Sources (3)
- beginnings.com/docs/default-so…2025-final-flattened.pdf
- beginnings.com/personal/deposit-accounts/iras
- beginnings.com/other/rates
All captured Sep 17, 2026
Who can join Beginnings Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.