Credit union · NCUA insured
Buffalo Conrail Federal Credit Union Savings Rates
Top CarrotBuffalo Conrail Federal Credit Union’s best savings rate is 2.26% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Buffalo Conrail Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Buffalo, NY, where Buffalo Conrail Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Buffalo Conrail Federal Credit Union
2.26%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $226
Money Market 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
Buffalo Conrail Federal Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0002.26%
- $100,000 balance$100,0002.77%
- QualifiedQualified2.26%
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 Buffalo Conrail 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
Up to 2.26%APY
Open to Buffalo Conrail FCU members and eligible employees/associates and their immediate family/household. Features no monthly fees and no penalty for accessing funds.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| $2,500 and up$2,500 to open | 1.76% | $2,500 | $176 |
| $10,000 and up$10,000 to open | 2.26% | $10,000 | $226 |
| $25,000 and up$25,000 to open | 2.77% | $25,000 | — |
Sources (1)
- bufconfcu.com/banking · captured Sep 17, 2026
Additional Savings Account
0.50%APY
Membership eligibility requirements apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAverage daily balances of $200 or more are paid quarterly.Any balance | 0.50% | $50 | Average daily balances of $200 or more are paid quarterly. |
Sources (1)
- bufconfcu.com/banking · captured Sep 17, 2026
Primary Savings Account
0.50%APY
Membership eligibility requirements apply. Requires an initial deposit of $25.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAverage daily balances of $200 or more are paid quarterly.Any balance | 0.50% | $50 | Average daily balances of $200 or more are paid quarterly. |
Sources (1)
- bufconfcu.com/banking · captured Sep 17, 2026
Special-purpose accounts
Christmas Club Account
0.50%APY
Membership eligibility requirements apply. An annual dividend is paid at the end of October and transferred to your savings account in early November. Early withdrawals are subject to a fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAverage daily balances of $200 or more are paid quarterly on Club Accounts.Any balance | 0.50% | $50 | Average daily balances of $200 or more are paid quarterly on Club Accounts. |
Sources (1)
- bufconfcu.com/banking · captured Sep 17, 2026
Who can join Buffalo Conrail Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Consolidated Rail Corporation (Conrail), National Railroad Passenger Corporation (Amtrak), CSXT Railroad, and Norfolk Southern are eligible for membership.
- Members of other SEG groups are eligible for membership.
Family and household
- Extended families of railroad employees, retirees, and other SEG groups are eligible for membership.
Other ways
- Railroad retirees are eligible for membership.
Membership information collected October 5, 2026.