Credit union · NCUA insured
Choice One Community Credit Union Savings Rates
Top CarrotChoice One Community Credit Union’s best savings rate is 1.75% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Choice One Community Credit Union’s savings rates compare
Compared with banks and credit unions near Scranton, PA, where Choice One Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Choice One Community Credit Union
1.75%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $175
Money Market Account
Top rate
NET Credit Union
6.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $600
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Choice One Community Credit Union savings score
88
Savings score
Higher than 81% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.75%
- $100,000 balance$100,0002.25%
- QualifiedQualified1.75%
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 Choice One Community 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
1.75%APY
Must maintain a $100 balance in primary Choice One Share Savings at all times. Minimum deposit of $2,000 required to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $50,000Each withdrawal must be at least $500.00; withdrawals by check only; maximum of 6 withdrawals per month; $100.00 required in primary savings account. | 1.75% | $175 | Each withdrawal must be at least $500.00; withdrawals by check only; maximum of 6 withdrawals per month; $100.00 required in primary savings account. |
| $50,000 – $100,000Each withdrawal must be at least $500.00; withdrawals by check only; maximum of 6 withdrawals per month; $100.00 required in primary savings account. | 2.00% | — | Each withdrawal must be at least $500.00; withdrawals by check only; maximum of 6 withdrawals per month; $100.00 required in primary savings account. |
| $100,000 and upEach withdrawal must be at least $500.00; withdrawals by check only; maximum of 6 withdrawals per month; $100.00 required in primary savings account. | 2.25% | — | Each withdrawal must be at least $500.00; withdrawals by check only; maximum of 6 withdrawals per month; $100.00 required in primary savings account. |
Sources (1)
- choiceone.org/checking-saving/money-market-accounts · captured Oct 6, 2026
Share Savings
0.05%APY
Open to credit union members. $5 minimum balance required to maintain membership plus $5 one-time membership fee. $100 minimum balance to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum balance to earn dividends; $5 minimum to open account.$100 and up | 0.05% | $5 | $100 minimum balance to earn dividends; $5 minimum to open account. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRAs
0.30%APY
Offers Traditional and Roth IRA options. No setup fees, no monthly or annual maintenance fees. Minimum balances required to earn dividends on the IRA Savings Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum balances required to earn dividends on the IRA Savings Account.Any balance | 0.30% | $30 | Minimum balances required to earn dividends on the IRA Savings Account. |
Sources (2)
All captured Oct 6, 2026
Christmas Clubs
0.05%APY
$100 minimum balance to earn dividends. Withdrawals made between January 1st to September 30th are subject to a $10.00 fee each time. Withdrawals made between October 1st to December 31st are free. No monthly service charges.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum balance to earn dividends; $5 minimum to open account. Withdrawals between Jan 1 and Sep 30 incur a $10 fee; Oct 1 to Dec 31 withdrawals are free.$100 and up | 0.05% | $5 | $100 minimum balance to earn dividends; $5 minimum to open account. Withdrawals between Jan 1 and Sep 30 incur a $10 fee; Oct 1 to Dec 31 withdrawals are free. |
Sources (1)
- choiceone.org/checking-saving/club-accounts · captured Oct 6, 2026
Vacation/All Purpose Clubs
0.05%APY
$100 minimum balance to earn dividends. No monthly service charges. Partial or total withdrawals can be made at any time.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum balance to earn dividends; $5 minimum to open account.$100 and up | 0.05% | $5 | $100 minimum balance to earn dividends; $5 minimum to open account. |
Sources (1)
- choiceone.org/checking-saving/club-accounts · captured Oct 6, 2026
Who can join Choice One Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, attend school, or have a business entity in Luzerne, Lackawanna, or Wyoming Counties.
Family and household
- Immediate family members of current members are eligible to join regardless of whether they meet geographic criteria.
Cost to join
- A one-time membership fee of $5 is required to join.
- A minimum share savings deposit and balance of $5 is required for membership.
Membership information collected October 5, 2026.