Credit union · NCUA insured
Bethlehem 1st Federal Credit Union Savings Rates
Bethlehem 1st Federal Credit Union’s best savings rate is 1.25% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Bethlehem 1st Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Allentown, PA-NJ, where Bethlehem 1st Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Bethlehem 1st Federal Credit Union
1.25%APY
- Requires
- None
- Earns on $10,000 a year
- $125
Money Market Account
Top rate
Univest
3.75%APY
- Requires
- None
- Earns on $10,000 a year
- $375
2nd-highest rate
United Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $300
Bethlehem 1st Federal Credit Union savings score
86
Savings score
Higher than 75% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.25%
- $100,000 balance$100,0002.00%
- QualifiedQualified1.25%
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 Bethlehem 1st 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
1.25%APY
Rates are tiered based on balances and can change monthly based on market conditions. This is not a share draft or checking account and should not be used in place of one. Reg D limits apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,500 | 0.00% | — |
| $1,500 – $10,000 | 1.00% | — |
| $10,000 – $25,000 | 1.25% | $125 |
| $25,000 – $50,000 | 1.50% | — |
| $50,000 and up | 2.00% | — |
Sources (1)
- beth1st.org/savings-rates · captured Sep 17, 2026
Shares
0.10%APY
Required foundation account that serves as gateway to all financial services and benefits. Dividends credited and compounded quarterly. Dividends paid on balances of $100.00 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends credited and compounded quarterly. Dividends are paid on accounts with a balance of $100.00 or more.$100 and up | 0.10% | $10 | Dividends credited and compounded quarterly. Dividends are paid on accounts with a balance of $100.00 or more. |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Coverdell Savings
0.10%APY
Dividends credited and compounded monthly. Dividends paid on balances of $100.00 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends credited and compounded monthly. Dividends are paid on accounts with a balance of $100.00 or more.$100 and up | 0.10% | $10 | Dividends credited and compounded monthly. Dividends are paid on accounts with a balance of $100.00 or more. |
Sources (1)
- beth1st.org/savings-rates · captured Sep 17, 2026
Holiday Club
0.10%APY
Holiday Club disbursements take place at the end of each October via transfer to Share Account or check. Dividends credited and compounded quarterly. Dividends paid on balances of $100.00 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDisbursements occur at the end of each October. Dividends credited and compounded quarterly. Dividends are paid on accounts with a balance of $100.00 or more.$100 and up | 0.10% | $10 | Disbursements occur at the end of each October. Dividends credited and compounded quarterly. Dividends are paid on accounts with a balance of $100.00 or more. |
IRA Shares
0.10%APY
Dividends credited and compounded monthly. Dividends paid on balances of $100.00 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends credited and compounded monthly. Dividends are paid on accounts with a balance of $100.00 or more.$100 and up | 0.10% | $10 | Dividends credited and compounded monthly. Dividends are paid on accounts with a balance of $100.00 or more. |
Sources (1)
- beth1st.org/savings-rates · captured Sep 17, 2026
Vacation Club
0.10%APY
Vacation Club disbursements occur at the end of each May via transfer to Share Account (Savings) or check. Dividends credited and compounded quarterly. Dividends paid on balances of $100.00 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDisbursements occur at the end of each May. Dividends credited and compounded quarterly. Dividends are paid on accounts with a balance of $100.00 or more.$100 and up | 0.10% | $10 | Disbursements occur at the end of each May. Dividends credited and compounded quarterly. Dividends are paid on accounts with a balance of $100.00 or more. |
Who can join Bethlehem 1st Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals associated with affiliated Service Organization SEGs are eligible for membership.
Military, government and schools
- Individuals associated with qualifying Education Select Employee Groups are eligible for membership.
- Employees and constituents of affiliated Municipality SEGs are eligible for membership.
- Individuals associated with qualifying Public Office SEGs are eligible for membership.
- Students belonging to designated Student Groups are eligible for membership.
Family and household
- Family members of existing Bethlehem 1st FCU members (including spouse, children, siblings, parents, grandparents, grandchildren, stepchildren, stepparents, stepsiblings, and adopted children) are eligible for membership.
Membership information collected October 5, 2026.