Credit union · NCUA insured
Direct Federal Credit Union Savings Rates
Direct Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Member Savings. Rates checked October 15, 2026.
How Direct Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Boston, MA-NH, where Direct Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Direct Federal Credit Union
3.30%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $330
High-Yield Savings
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
Direct Federal Credit Union savings score
78
Savings score
Higher than 47% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified3.30%
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 Direct 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.
High-Yield Savings
3.30%APY
New money only (no internal transfers from an existing Direct Federal Credit Union account). Minimum daily balance of $5,000 required to earn stated APY. APY assumes account is paired with an active Direct Advantage Checking; without Direct Advantage Checking, APY is 0.10% lower. Rates are variable.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000If the daily balance falls below $5,000 on any day during the month, no dividends are paid for that dividend period. | 0.00% | — | If the daily balance falls below $5,000 on any day during the month, no dividends are paid for that dividend period. |
| $5,000 – $50,000Assumes paired with an active Direct Advantage Checking account; without it APY is 0.10% lower. New money only. A minimum daily balance of $5,000 is required to earn the stated APY. | 3.30% | $330 | Assumes paired with an active Direct Advantage Checking account; without it APY is 0.10% lower. New money only. A minimum daily balance of $5,000 is required to earn the stated APY. |
| $50,000 and upAssumes paired with an active Direct Advantage Checking account; without it APY is 0.10% lower. New money only. | 3.50% | — | Assumes paired with an active Direct Advantage Checking account; without it APY is 0.10% lower. New money only. |
Sources (2)
All captured Sep 18, 2026
Premium Money Market
0.00%APY
Minimum deposit to open is $500. Stated APYs assume the account is paired with an active Direct Advantage Checking account; without it, the APY is 0.10% lower. If the balance falls below $25,000 on any day during the month, no interest is paid for that dividend period. Dividends are compounded and posted monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000No interest earned if balance falls below $25,000 for any day during the month. | 0.00% | $0 | No interest earned if balance falls below $25,000 for any day during the month. |
| $25,000 and upRequires maintaining a minimum daily balance of $25,000 to earn the stated APY. APY assumes pairing with an active Direct Advantage Checking account (APY is 0.10% lower without it). | 2.20% | — | Requires maintaining a minimum daily balance of $25,000 to earn the stated APY. APY assumes pairing with an active Direct Advantage Checking account (APY is 0.10% lower without it). |
Sources (2)
All captured Sep 18, 2026
Member Savings
0.10%APY
Opening a savings account establishes membership at Direct Federal Credit Union. First $5 is deposited by the credit union.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFirst $5 is deposited by Direct Federal Credit Union.Any balance | 0.10% | $10 | First $5 is deposited by Direct Federal Credit Union. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Secondary Savings
0.10%APY
Access to unlimited savings accounts, designed for vacation and holiday savings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Sep 18, 2026
Who can join Direct 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 anyone who lives, works (or regularly conducts business in), worships, or attends school in Norfolk or Middlesex Counties.
Family and household
- Membership is open to individuals who have an immediate family member fulfilling the geographic eligibility requirements.
Membership information collected October 5, 2026.