Credit union · NCUA insured
Bulldog Federal Credit Union Savings Rates
Top CarrotBulldog Federal Credit Union’s best savings rate is 1.01% APY on $10,000, with its DWYWA. Rates checked October 22, 2026.
How Bulldog Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Hagerstown, MD-WV, where Bulldog Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Bulldog Federal Credit Union
1.01%APY
- Minimum
- $25
- Earns on $10,000 a year
- $101
Savings
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
Bulldog Federal Credit Union savings score
86
Savings score
Higher than 73% of U.S. banks and credit unions
- $1,000 balance$1,0001.01%
- $10,000 balance$10,0001.01%
- $100,000 balance$100,0001.01%
- QualifiedQualified1.01%
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 Bulldog 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.
DWYWA
1.01%APY
Do-What-You-Want (DWYWA) club account. Make up to 4 free withdrawals per club year (July 1 - June 30). Fee of $5.00 for club account withdrawals over 4/yr.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$0.00 minimum balance required to obtain APY. Up to 4 free withdrawals per club year (July 1 - June 30), then $5.00 fee per excess withdrawal.Any balance | 1.01% | $101 | $0.00 minimum balance required to obtain APY. Up to 4 free withdrawals per club year (July 1 - June 30), then $5.00 fee per excess withdrawal. |
Savings
1.01%APY
A minimum Savings balance of $25 (par share) is required to maintain membership and access to BDFCU products and services. Accounts with balances below $25 may be subject to a low-balance fee ($5.00/mo below par fee).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance of $25.00 required to obtain APY. Below par fee of $5.00/mo if balance falls below $25.$25 and up | 1.01% | $101 | Minimum balance of $25.00 required to obtain APY. Below par fee of $5.00/mo if balance falls below $25. |
Money Market Share Account
0.65%APY
Tiered account with unlimited deposits and up to 6 transfers or withdrawals per month. First order of 40 checks included at no cost. $2,000 minimum daily balance required to avoid low balance fee ($15/occurrence).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000$2,000 minimum daily balance required to avoid low balance fee | 0.50% | — | $2,000 minimum daily balance required to avoid low balance fee |
| $2,000 – $9,999 | 0.55% | — | |
| $10,000 – $24,999 | 0.65% | $65 | |
| $25,000 – $49,999 | 0.75% | — | |
| $50,000 – $99,999 | 0.80% | — | |
| $100,000 and up | 0.80% | — |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
Christmas Club
1.01%APY
Save all year; up to 4 free withdrawals each club year (Oct. 1 - Sept. 30). Funds automatically transfer to your savings account on Oct. 1. Fee of $5.00 for club account withdrawals over 4/yr.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$0.00 minimum balance required to obtain APY. Up to 4 free withdrawals per club year (Oct. 1 - Sept. 30), then $5.00 fee per excess withdrawal.Any balance | 1.01% | $101 | $0.00 minimum balance required to obtain APY. Up to 4 free withdrawals per club year (Oct. 1 - Sept. 30), then $5.00 fee per excess withdrawal. |
Who can join Bulldog Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Washington County, Maryland are eligible to join.
Employers and groups
- Employees of the credit union are eligible to join.
Family and household
- Individuals who have an immediate family member living in Washington County, Maryland are eligible to join, even if that family member is not a credit union member.
- Individuals who share a household with an existing Bulldog Federal Credit Union member are eligible to join, regardless of whether they live in Washington County.
Other ways
- Representatives of a business or other legal entity located in Washington County, Maryland are eligible to join.
- Community volunteers in Washington County, Maryland are eligible to join.
Cost to join
- Membership requires opening a Savings account with a minimum initial and ongoing balance of $25.
Membership information collected October 4, 2026.