Credit union · NCUA insured
Cooperative Federal Credit Union Savings Rates
Cooperative Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its Super Share (Money Market). Rates checked October 16, 2026.
How Cooperative Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Syracuse, NY, where Cooperative Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Cooperative Federal Credit Union
1.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $100
Super Share (Money Market)
Top rate
Canandaigua National Bank
3.15%APY
- Minimum
- $0
- Earns on $10,000 a year
- $315
2nd-highest rate
Ukrainian Federal Credit Union
2.02%APY
- Minimum
- —
- Earns on $10,000 a year
- $202
Cooperative Federal Credit Union savings score
83
Savings score
Higher than 63% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.00%
- 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 Cooperative 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.
Super Share (Money Market)
1.00%APY
Rate can change after the account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upRate can change after the account is opened.$2,500 and up | 1.00% | $100 | Rate can change after the account is opened. |
Sources (3)
- cooperativefederal.org/rates/account-rates
- cooperativefederal.org/accounts/money-market
- cooperativefederal.org/applica…posit_Rates_4.2.2026.pdf
All captured Sep 17, 2026
Super Share Checking (Money Market)
0.65%APY
Rate can change after the account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $4,500 and upRate can change after the account is opened.$4,500 and up | 0.65% | $65 | Rate can change after the account is opened. |
Sources (2)
All captured Sep 17, 2026
Share Savings
0.05%APY
Represents shared ownership of the credit union. No more than 6 preauthorized withdrawals or transfers per month. Rate can change after account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to earn dividends is $50 (based on average monthly balance). Dividends compounded and credited quarterly.$50 and up | 0.05% | $5 | Minimum balance to earn dividends is $50 (based on average monthly balance). Dividends compounded and credited quarterly. |
Special-purpose accounts
IRA Shares
1.00%APY
Individual Retirement Account share savings. Dividends compounded and credited monthly.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $1,000Applies to balances from $50 up to $1,000 ($50 minimum to earn dividends). Dividends compounded and credited monthly. · $50 to open | 0.05% | $50 | — | Applies to balances from $50 up to $1,000 ($50 minimum to earn dividends). Dividends compounded and credited monthly. |
| $1,000 and upApplies to balances of $1,000 and above ($1,000 minimum to earn dividends). Dividends compounded and credited monthly. · $1,000 to open | 1.00% | $1,000 | $100 | Applies to balances of $1,000 and above ($1,000 minimum to earn dividends). Dividends compounded and credited monthly. |
Sources (3)
- cooperativefederal.org/about/terms-disclosures
- cooperativefederal.org/rates/account-rates
- cooperativefederal.org/applica…posit_Rates_4.2.2026.pdf
All captured Sep 17, 2026
Secondary Shares
0.05%APY
Customizable goal-oriented savings (Holiday, Vacation, College Savings, Rainy-Day Fund). No limit to number of Secondary Shares that can be opened. Terms are same as basic savings with no minimum balance to start.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upShares terms and dividend rate with basic savings ($50 minimum balance to earn dividends).$50 and up | 0.05% | $5 | Shares terms and dividend rate with basic savings ($50 minimum balance to earn dividends). |
Sources (3)
- cooperativefederal.org/accounts/savings
- cooperativefederal.org/rates/account-rates
- cooperativefederal.org/applica…posit_Rates_4.2.2026.pdf
All captured Sep 17, 2026
Treehouse Saver
0.05%APY
Available to children under age 14. Children 10 and under must have a parent/guardian as joint owner. $2 New Member Fee waived if opened online. No more than 6 preauthorized transfers/withdrawals per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upShares rates and terms of basic savings but earns dividends on balances of just $5 or more. Dividends compounded and credited quarterly.$5 and up | 0.05% | $5 | Shares rates and terms of basic savings but earns dividends on balances of just $5 or more. Dividends compounded and credited quarterly. |
Sources (3)
- cooperativefederal.org/accounts/kids-and-teens
- cooperativefederal.org/about/terms-disclosures
- cooperativefederal.org/rates/account-rates
All captured Sep 17, 2026
Who can join Cooperative 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
- Persons who live, work, worship, or attend school in the City of Syracuse.
Employers and groups
- Eligible affiliates (such as employees, members, volunteers, directors, or residents) of participating Field of Membership nonprofits, associations, and local businesses.
Military, government and schools
- Students of Henninger High School and Nottingham High School; and employees, students, and families of Jowonio School and The New School.
Family and household
- Individuals who have an immediate family member or household member who lives, works, worships, or attends school in Syracuse.
Cost to join
- $5 minimum initial savings deposit to open a savings account.
- $10 one-time New Member Fee ($2 for youth under age 18), waived when account is opened online.
Membership information collected October 5, 2026.