Credit union · NCUA insured
Community Resource Federal Credit Union Savings Rates
Community Resource Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market Account. Rates checked October 5, 2026.
How Community Resource Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Albany, NY, where Community Resource Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Community Resource Federal Credit Union
1.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $100
Money Market Account
Top rate
NextStep Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $20
- Earns on $10,000 a year
- $400
2nd-highest rate
Pioneer
3.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $350
Community Resource Federal Credit Union savings score
83
Savings score
Higher than 64% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.50%
- QualifiedQualified1.00%
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 Resource 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 Account
1.00%APY
Tiered dividend rates; earn higher dividends on an average daily balance of $2,500 or more. Withdraw up to 6 times per month / check writing permitted (6 per month).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.00% | — |
| $2,500 – $10,000 | 0.50% | — |
| $10,000 – $50,000 | 1.00% | $100 |
| $50,000 – $100,000 | 1.25% | — |
| $100,000 and up | 1.50% | — |
Sources (2)
All captured Sep 17, 2026
Member Share Savings
0.10%APY
Primary savings account and foundation of credit union membership. No monthly service fees. Earn dividends on average daily balance of $100 or more.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $10,000 | 0.05% | — |
| $10,000 and up | 0.10% | $10 |
Sources (3)
- communityresourcefcu.com/personal-banking/savings
- communityresourcefcu.com/perso…ngs/member-share-savings
- communityresourcefcu.com/rates
All captured Sep 17, 2026
Special-purpose accounts
IRA Share Account
1.00%APY
Available as Traditional IRA Savings or Roth IRA Savings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.50% | — |
| $10,000 – $50,000 | 1.00% | $100 |
| $50,000 – $100,000 | 1.25% | — |
| $100,000 and up | 1.50% | — |
Sources (3)
- communityresourcefcu.com/personal-banking/savings
- communityresourcefcu.com/perso…ngs/member-share-savings
- communityresourcefcu.com/rates
All captured Sep 17, 2026
Youth Savings
0.20%APY
For youths up to age 17 (or up to 12). Includes Good Grades Rewards Program.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.10% | — |
| $2,500 and up | 0.20% | $20 |
Sources (3)
- communityresourcefcu.com/personal-banking/savings
- communityresourcefcu.com/perso…ng/savings/youth-savings
- communityresourcefcu.com/rates
All captured Sep 17, 2026
Who can join Community Resource 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
- Individuals who live, work, worship, or attend school in Albany, Schenectady, Rensselaer, and Saratoga Counties are eligible for membership.
Family and household
- Immediate family members or individuals living in the household of someone eligible for membership can join.
Membership information collected October 5, 2026.