Credit union · NCUA insured
Cedar Point Federal Credit Union Savings Rates
Top CarrotCedar Point Federal Credit Union’s best savings rate is 1.21% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Cedar Point Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Lexington Park, MD, where Cedar Point Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Cedar Point Federal Credit Union
1.21%APY
- Minimum
- —
- Earns on $10,000 a year
- $121
Money Market Account
Top rate
Educational Systems Federal Credit Union
4.00%APY
- Minimum
- $0
- Earns on $10,000 a year
- $400
3rd-highest rate
Navy Federal Credit Union
0.25%APY
- Minimum
- $5
- Earns on $10,000 a year
- $25
Cedar Point Federal Credit Union savings score
85
Savings score
Higher than 71% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.21%
- $100,000 balance$100,0001.41%
- QualifiedQualified1.21%
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 Cedar Point 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
1.21%APY
Withdrawals are limited to six per month with a minimum withdrawal amount of $250.00. Dividends calculated by average daily balance method. If balance is less than $2,500.00, the account reverts to the Primary Savings Account rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Tier 1 rate applies to average daily balances less than $10,000 (minimum $2,500.00 to earn APY). | 1.00% | — | Tier 1 rate applies to average daily balances less than $10,000 (minimum $2,500.00 to earn APY). |
| $10,000 – $25,000Tier 2 rate applies only to average daily balances from $10,000 to $24,999.99. APY is listed as a range 1.00 - 1.12% on the rates table. | 1.21% | $121 | Tier 2 rate applies only to average daily balances from $10,000 to $24,999.99. APY is listed as a range 1.00 - 1.12% on the rates table. |
| $25,000 and upTier 3 rate applies only to average daily balances of $25,000.00 and over. APY is listed as a range 1.12 - 1.41% on the rates table. | 1.41% | — | Tier 3 rate applies only to average daily balances of $25,000.00 and over. APY is listed as a range 1.12 - 1.41% on the rates table. |
Sources (2)
- cpfcu.com/banking-and-investme…nt/money-market-accounts
- cpfcu.com/files/cpfcu/1/file/R…edules/Savings-Rates.pdf
All captured Sep 19, 2026
Primary Savings
0.05%APY
Requires maintaining a minimum $5 balance throughout membership. Account number serves as Member ID. Average daily balance of at least $100 to earn dividends. Quarterly dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.05% | $5 |
Sources (2)
All captured Oct 4, 2026
Sub Savings
0.05%APY
Can be opened at any time by members. Average daily balance of at least $100 to earn dividends. Quarterly dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.05% | $5 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
Coverdell Education Savings Account (ESA)
1.00%APY
Coverdell Education Savings Account (ESA) for qualifying educational expenses. Income limitations apply. Consult tax advisor.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 1.00% | $100 |
Sources (1)
- cpfcu.com/banking-and-investme…ent/ira-and-esa-accounts · captured Oct 4, 2026
IRA Savings
1.00%APY
Offers traditional and Roth IRAs for retirement savings. Income limitations apply. Consult tax advisor.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 1.00% | $100 |
Sources (1)
- cpfcu.com/banking-and-investme…ent/ira-and-esa-accounts · captured Oct 4, 2026
Holiday Club
0.05%APY
Can be opened at any time. Deposits made throughout the year. Funds automatically transferred to designated primary savings or sub-savings account on the first business day of October. Additional withdrawals are not permitted; if a withdrawal is necessary, the account will be closed and cannot be reopened until the following season. No disbursement checks mailed.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.05% | $5 |
Sources (2)
All captured Oct 4, 2026
Youth Account
0.05%APY
Requires $5.00 minimum deposit and must be opened 'in care of' a responsible adult who is a Cedar Point member. Dependent children of those eligible for Cedar Point membership are eligible. Members ages 13 and under are in Junior Keepers Club; ages 14-17 are in Youth Savings Club (automatically transfers at age 14, full membership at 18). Minors age 14+ may be given permissions for certain transactions with ID. Includes Scholars & Dollars reward opportunities.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.05% | $5 |
Sources (2)
All captured Oct 4, 2026
Who can join Cedar Point Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.