Credit union · NCUA insured
Concord FCU Savings Rates
Concord FCU’s best savings rate is 0.25% APY on $10,000, with its Share Savings. Rates checked October 6, 2026.
How Concord FCU’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where Concord FCU has the most branches. $10,000, best rate first.
This credit union’s best
Concord FCU
0.25%APY
- Requires
- None
- Minimum
- $30
- Earns on $10,000 a year
- $25
Share Savings
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
Concord FCU savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.25%
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 Concord FCU 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.
Share Savings
0.25%APY
Membership requires purchasing and maintaining 25 shares at $1.00 par value ($25.00) plus a $5.00 nonrefundable membership fee. Dividends compounded and credited quarterly. Minimum balance of $100 required to avoid a service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum average daily balance of $100 required to earn stated APY. Dividends compounded and credited quarterly.$100 and up | 0.25% | $25 | Minimum average daily balance of $100 required to earn stated APY. Dividends compounded and credited quarterly. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Christmas Club Savings
0.25%APY
Deposit money monthly during the year and receive funds, with interest, in November. The account automatically renews for the next year. Withdrawal limitations apply: entire balance transferred on or after November 1; withdrawals not permitted at other times unless closed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly based on average daily balance. Account withdrawal limitations apply (balance transfers on or after November 1). Accrued dividends paid if closed within 7 days of opening.Any balance | 0.25% | $25 | Dividends compounded and credited quarterly based on average daily balance. Account withdrawal limitations apply (balance transfers on or after November 1). Accrued dividends paid if closed within 7 days of opening. |
Sources (2)
All captured Oct 6, 2026
Vacation Club Savings
0.25%APY
Dedicated to accumulating funds specifically to cover vacation expenses. Balance credited to share account on April 30th / May 1st. Account withdrawal limitations apply: withdrawals not permitted at other times unless closed. Opening minimum is $10 per promotional flyer.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly based on average daily balance. Account withdrawal limitations apply (balance transferred on or after May 1 / April 30). Opening minimum amount needed to get started is $10.Any balance | 0.25% | $25 | Dividends compounded and credited quarterly based on average daily balance. Account withdrawal limitations apply (balance transferred on or after May 1 / April 30). Opening minimum amount needed to get started is $10. |
Sources (3)
- concordfcu.org/accounts
- concordfcu.org/s/CFCU-Vacation-Club-revised-41425.pdf
- concordfcu.org/s/September-202…n-Savings-Disclosure.pdf
All captured Oct 6, 2026
Who can join Concord FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of Mt. Sinai Baptist Church, Charity Baptist Church, Siloam Presbyterian Church, and First Baptist Church of Crown Heights are eligible for membership.
- Employees and Directors of Bedford Stuyvesant Restoration Corporation are eligible for membership.
- Members of The Concord Baptist Church of Christ are eligible for membership.
- Employees and residents of the Concord Nursing Homes & Rehabilitation Center are eligible for membership.
- Residents of Concord Senior Housing are eligible for membership.
Family and household
- Family members of members of Mt. Sinai Baptist Church, Charity Baptist Church, Siloam Presbyterian Church, and First Baptist Church of Crown Heights are eligible for membership.
4 more ways to join
Family and household
- Family members of members of The Concord Baptist Church of Christ are eligible for membership.
- Family members of employees and residents of the Concord Nursing Homes & Rehabilitation Center are eligible for membership.
- Family members of current credit union members are eligible to open an account regardless of Brooklyn residency.
- Family members of residents of Concord Senior Housing are eligible for membership.
Cost to join
- Joining requires a one-time $5 nonrefundable membership fee.
- Opening and keeping an account requires a minimum share deposit and ongoing balance of $25.
Membership information collected October 5, 2026.