Credit union · NCUA insured
Circuit Federal Credit Union Savings Rates
Top CarrotA $11.6M credit union headquartered in Cheektowaga, NY, with 1,043 members and 2 branches in New York.
How Circuit Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Buffalo, NY, where Circuit Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Circuit Federal Credit Union
0.02%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $2
Association Accounts
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
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Association Accounts
0.02%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.02% | $2 |
Sources (1)
- circuitfcu.com/rates/savings-rates · captured Sep 17, 2026
Share and Club Accounts
0.02%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.02% | $2 |
Sources (1)
- circuitfcu.com/rates/savings-rates · captured Sep 17, 2026
Who can join Circuit 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives, works, worships, or attends school in the Town of Cheektowaga.
- Membership is open to anyone who lives, works, worships, or attends school in Hamburg, Blasdell, Orchard Park, West Seneca, Depew, Lancaster, or Sloan.
Cost to join
- A minimum share of $25 is required in your account (along with being at least 16 years old) to vote at the annual membership meeting in accordance with bylaws.
Membership information collected October 5, 2026.