Credit union · NCUA insured
Community Powered Federal Credit Union Savings Rates
Community Powered Federal Credit Union’s best savings rate is 0.30% APY on $10,000, with its Money Market Deposit. Rates checked October 22, 2026.
How Community Powered Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Community Powered Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Community Powered Federal Credit Union
0.30%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $30
Money Market Deposit
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
Comenity Capital Bank
4.05%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $405
Community Powered Federal Credit Union savings score
73
Savings score
Higher than 33% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.30%
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 Powered 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 Deposit
0.30%APY
Tiered rate account where the dividend rate and APY for the qualifying tier apply to the entire balance. Dividends calculated daily, compounded and credited monthly. Account limited to 6 covered transactions per month. A $10 service charge applies if balance falls below $2,500.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $2,500 – $9,999$2,500 to open | 0.20% | $2,500 | — | |
| $2,500 – $10,000Dividends compounded and credited monthly. · Unknown to open | 0.20% | Unknown | — | Dividends compounded and credited monthly. |
| $10,000 – $24,999$10,000 to open | 0.30% | $10,000 | $30 | |
| $10,000 – $25,000Dividends compounded and credited monthly. $2,500 minimum balance to avoid service charge. · $2,500 to open | 0.30% | $2,500 | $30 | Dividends compounded and credited monthly. $2,500 minimum balance to avoid service charge. |
| $25,000 – $49,999$25,000 to open | 0.40% | $25,000 | — | |
| $25,000 – $50,000Dividends compounded and credited monthly. $2,500 minimum balance to avoid service charge. · $2,500 to open | 0.40% | $2,500 | — | Dividends compounded and credited monthly. $2,500 minimum balance to avoid service charge. |
| $50,000 and up$50,000 to open | 0.50% | $50,000 | — | |
| $50,000 and upDividends compounded and credited monthly. $2,500 minimum balance to avoid service charge. · $2,500 to open | 0.50% | $2,500 | — | Dividends compounded and credited monthly. $2,500 minimum balance to avoid service charge. |
Sources (2)
All captured Oct 3, 2026
Regular Savings
0.05%APY
Requires maintaining a minimum daily balance of $5 to avoid a $2 monthly service charge. Monthly compounding and crediting. Average daily balance method used to calculate dividends. Maximum of 6 withdrawals or transfers per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum daily balance of $5 required to avoid $2 monthly service charge and earn stated APY. Average daily balance calculation method.$5 and up | 0.05% | $5 | Minimum daily balance of $5 required to avoid $2 monthly service charge and earn stated APY. Average daily balance calculation method. |
Sources (3)
- cpwrfcu.org/wp-content/uploads…Service-Charges-6-26.pdf
- cpwrfcu.org/rates
- cpwrfcu.org/savings-accounts
All captured Oct 15, 2026
Special-purpose accounts
IRA Savings
0.50%APY
Tax-advantaged retirement savings account. Monthly compounding and crediting. May not make withdrawals/transfers to another credit union account or third party by automatic/preauthorized transfer or phone instruction.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited monthly. Calculated using average daily balance method.Any balance | 0.50% | $50 | Dividends compounded and credited monthly. Calculated using average daily balance method. |
Sources (3)
- cpwrfcu.org/wp-content/uploads…Service-Charges-6-26.pdf
- cpwrfcu.org/rates
- cpwrfcu.org/savings-accounts
All captured Oct 15, 2026
Christmas Club
0.05%APY
No minimum balance requirement. Compounded monthly dividends. Withdrawals are not permitted while the account is open (except during the first 7 days after opening). The entire balance is paid by check or transferred to another account on or after October 1, and the account remains open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited monthly. No minimum balance requirement. Balance distributed on or after October 1.Any balance | 0.05% | $5 | Dividends compounded and credited monthly. No minimum balance requirement. Balance distributed on or after October 1. |
Sources (3)
- cpwrfcu.org/wp-content/uploads…Service-Charges-6-26.pdf
- cpwrfcu.org/rates
- cpwrfcu.org/savings-accounts
All captured Oct 15, 2026
Vacation Club
0.05%APY
No minimum balance requirement. Compounded monthly dividends. Build up savings throughout the year for vacations. Can be set up at any time and continued into the next year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited monthly. Calculated using average daily balance method. No minimum balance requirement.Any balance | 0.05% | $5 | Dividends compounded and credited monthly. Calculated using average daily balance method. No minimum balance requirement. |
Sources (3)
- cpwrfcu.org/wp-content/uploads…Service-Charges-6-26.pdf
- cpwrfcu.org/rates
- cpwrfcu.org/savings-accounts
All captured Oct 15, 2026
Who can join Community Powered 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 persons who live, work, worship, attend school, participate in programs to alleviate poverty or distress, or participate in associations headquartered in Kent or New Castle Counties, DE, or Cecil County, MD, as well as businesses and organizations located or maintaining a facility there.
Family and household
- Family members of existing Community Powered members are eligible to join regardless of where they reside.
Other ways
- Membership is open to spouses of persons who died while within the field of membership, employees of this credit union, community volunteers, members of their immediate family or household, and organizations of such persons.
Cost to join
- A minimum share deposit of $5 into a Share Savings Account is required to establish and maintain membership.
Membership information collected October 4, 2026.