Credit union · NCUA insured
Chelsea Employees Federal Credit Union Savings Rates
Top CarrotChelsea Employees Federal Credit Union’s best savings rate is 0.15% APY on $10,000, with its Share Savings. Rates checked October 15, 2026.
How Chelsea Employees Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Boston, MA-NH, where Chelsea Employees Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Chelsea Employees Federal Credit Union
0.15%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $15
Share Savings
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
Chelsea Employees Federal Credit Union savings score
68
Savings score
Higher than 22% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0001.26%
- QualifiedQualified0.15%
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 Chelsea Employees 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.
Share Savings
0.15%APY
Establish membership with Chelsea Employees Federal Credit Union. Dividends earned daily and credited monthly or quarterly depending on average daily balance thresholds. Federally insured by NCUSIF/NCUA up to $250,000 with excess share insurance through MSIC.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upTier I minimum available balance to earn stated rate and APY. | 0.15% | $15 | Tier I minimum available balance to earn stated rate and APY. |
| $20,000 and upTier II minimum available balance to earn stated rate and APY. | 0.25% | — | Tier II minimum available balance to earn stated rate and APY. |
| $50,000 and upTier III minimum available balance to earn stated rate and APY. | 1.00% | — | Tier III minimum available balance to earn stated rate and APY. |
| $100,000 and upTier IV minimum available balance to earn stated rate and APY. | 1.26% | — | Tier IV minimum available balance to earn stated rate and APY. |
Special-purpose accounts
Christmas Club
1.51%APY
Account matures on October 31 each year. Withdrawals restricted until first business day of November; emergency withdrawals prior to maturity subject to a $5 fee penalty. Automatically renews at maturity and balance transfers to Primary Share Account in the first week of November.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMatures October 31. Minimum available balance of $25.00 required.$25 and up | 1.51% | $151 | Matures October 31. Minimum available balance of $25.00 required. |
Sources (3)
- chelseaefcu.org/wp-content/upl…grements-disclosures.pdf
- chelseaefcu.org/share-draft-checking
- chelseaefcu.org/dividend-rates
All captured Oct 5, 2026
IRA Shares
1.51%APY
Available for Traditional & Roth IRAs. Minimum $5 deposit to open, no maintenance fee, and unlimited deposits up to legal limits. Subject to IRS limitations and penalties. Insured up to $250,000 by NCUA and excess insured through MSIC.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upRate applies to Traditional & Roth IRAs with a minimum available balance of $25.00.$25 and up | 1.51% | $151 | Rate applies to Traditional & Roth IRAs with a minimum available balance of $25.00. |
Sources (3)
- chelseaefcu.org/wp-content/upl…grements-disclosures.pdf
- chelseaefcu.org/ira-accounts
- chelseaefcu.org/dividend-rates
All captured Oct 5, 2026
Who can join Chelsea Employees 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 the Chelsea Chamber of Commerce are eligible for membership.
- Employees of Chelsea Restoration are eligible for membership.
Military, government and schools
- Employees of the Chelsea Housing Authority are eligible for membership.
- Employees of the City of Chelsea are eligible for membership.
Family and household
- Direct family members of qualifying employer group employees are eligible to join.
Cost to join
- Membership requires signing an Application for Membership and depositing $25.00, the par value of one share.
Membership information collected October 5, 2026.