Credit union · NCUA insured
Community Financial Services Savings Rates
Community Financial Services’s best savings rate is 0.35% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Community Financial Services’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where Community Financial Services has the most branches. $10,000, best rate first.
This credit union’s best
Community Financial Services
0.35%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $35
Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Community Financial Services savings score
73
Savings score
Higher than 34% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0000.55%
- QualifiedQualified0.35%
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 Community Financial Services 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
0.35%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $24,999 | 0.35% | $35 |
| $25,000 – $99,000 | 0.45% | — |
| $100,000 and up | 0.55% | — |
Sources (1)
- cfsfcu.com/rates.php · captured Sep 19, 2026
Share Savings Account
0.01%APY
Must complete payment of $5.00 in Regular Share Savings account as a condition of admission to membership. Open to anyone who lives, works, goes to school, or conducts business in Union County, NJ and their family members. Par value of a share is $5.00. $100.00 minimum daily balance required to earn APY. Accounts closed prior to the end of the dividend period forfeit accrued dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upAs of last dividend declaration date. Compounded and credited quarterly. Minimum balance to open is $5.00. Must maintain minimum daily balance of $100.00 each day to obtain APY.$100 and up | 0.01% | $1 | As of last dividend declaration date. Compounded and credited quarterly. Minimum balance to open is $5.00. Must maintain minimum daily balance of $100.00 each day to obtain APY. |
| $100 and upMinimum balance to open savings account is $5. Minimum required to earn stated interest is $100. Rates valid as of 07/01/20.$100 and up | 0.01% | $1 | Minimum balance to open savings account is $5. Minimum required to earn stated interest is $100. Rates valid as of 07/01/20. |
Sources (3)
All captured Sep 19, 2026
Special-purpose accounts
Individual Retirement Share Savings Account
0.25%APY
Federally insured by National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 separately from other share accounts. Must maintain minimum daily balance of $100.00 each day to obtain disclosed APY. Accounts closed prior to end of dividend period forfeit accrued dividends.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Any balanceListed as IRA Shares. Rate 0.25%, APY 0.25%. · Unknown to open | 0.25% | Unknown | $25 | Listed as IRA Shares. Rate 0.25%, APY 0.25%. |
| $100 and upAs of last dividend declaration date. Dividends compounded and credited quarterly. Minimum balance to open is $1.00 or payroll deduction. Must maintain minimum daily balance of $100.00 each day to obtain APY. · $1 to open | 0.25% | $1 | $25 | As of last dividend declaration date. Dividends compounded and credited quarterly. Minimum balance to open is $1.00 or payroll deduction. Must maintain minimum daily balance of $100.00 each day to obtain APY. |
Christmas Club Account
0.01%APY · 1 term
One-year savings plan maturing on October 31. Arrange automatic transfers from share or share draft accounts. Partial withdrawals not permitted; must close account to withdraw before maturity. Accrued dividends forfeited if closed prior to end of dividend period. No compounding; dividends credited after close of business on maturity date. Automatically renews or rolls over to regular savings upon maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12-month term. Rates valid as of 07/01/20. Minimum required to earn stated interest is $100 | 0.01% | $1 |
| 12 monthsThe APY for the current year is 0.01%. Minimum balance to open is $1.00 or payroll deduction. Must maintain minimum daily balance of $100.00 each day to obtain disclosed APY. Matures October 31 | 0.01% | $1 |
Sources (3)
All captured Sep 19, 2026
Vacation Club Account
0.01%APY · 1 term
One-year savings plan maturing on May 31. Arrange automatic transfers from share or share draft accounts. Partial withdrawals not permitted; must close account to withdraw before maturity. Accrued dividends forfeited if closed prior to end of dividend period. No compounding; dividends credited after close of business on maturity date. Automatically renews or rolls over to regular savings upon maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12-month term. Rates valid as of 07/01/20. Minimum required to earn stated interest is $100 | 0.01% | $1 |
| 12 monthsThe APY for the current year is .01%. Minimum balance to open is $1.00 or payroll deduction. Must maintain minimum daily balance of $100.00 each day to obtain disclosed APY. Matures May 31 | 0.01% | $1 |
Sources (3)
All captured Sep 19, 2026
Who can join Community Financial Services
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, or worships in Union County, NJ.
Family and household
- The entire family of a member is eligible to join.
Membership information collected October 5, 2026.