Credit union · NCUA insured
Directors Choice Credit Union Savings Rates
Directors Choice Credit Union’s best savings rate is 0.10% APY on $10,000, with its Basic Banking Savings. Rates checked October 16, 2026.
How Directors Choice Credit Union’s savings rates compare
Compared with banks and credit unions near Albany, NY, where Directors Choice Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Directors Choice Credit Union
0.10%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $10
Choice Share Savings
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
Directors Choice Credit Union savings score
64
Savings score
Higher than 10% 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%
- QualifiedQualified0.10%
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 Directors Choice 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.
Basic Banking Savings
0.10%APY
Minimum 0.01 (1 cent) average daily balance to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum 0.01 (1 cent) average daily balance to earn dividends.Over $0 | 0.10% | $10 | Minimum 0.01 (1 cent) average daily balance to earn dividends. |
Sources (1)
- directorschoicecu.com/accounts…vings-certificates-rates · captured Sep 17, 2026
Choice Share Savings
0.10%APY
Minimum $25.00 average daily balance to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum $25.00 average daily balance to earn dividends.$25 and up | 0.10% | $10 | Minimum $25.00 average daily balance to earn dividends. |
Sources (1)
- directorschoicecu.com/accounts…vings-certificates-rates · captured Sep 17, 2026
Special-purpose accounts
Holiday, Auto & Vacation Club Accounts
0.10%APY
Structured savings accounts for special events. Minimum $25.00 average daily balance to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum $25.00 average daily balance to earn dividends.$25 and up | 0.10% | $10 | Minimum $25.00 average daily balance to earn dividends. |
Sources (1)
- directorschoicecu.com/accounts…vings-certificates-rates · captured Sep 17, 2026
Tax-Free Roth & Education IRA Savings
0.10%APY
Minimum $25.00 average daily balance to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum $25.00 average daily balance to earn dividends.$25 and up | 0.10% | $10 | Minimum $25.00 average daily balance to earn dividends. |
Sources (1)
- directorschoicecu.com/accounts…vings-certificates-rates · captured Sep 17, 2026
Young Saver Choice Share Account
0.10%APY
Kids-only savings account designed for members under the age of 12. Requires an adult joint account holder until age 18. Minimum $25.00 average daily balance to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum $25.00 average daily balance to earn dividends. For members under age 12.$25 and up | 0.10% | $10 | Minimum $25.00 average daily balance to earn dividends. For members under age 12. |
Sources (2)
- directorschoicecu.com/accounts…vings-certificates-rates
- directorschoicecu.com/accounts-services/youth-accounts
All captured Sep 17, 2026
Who can join Directors Choice Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.