Credit union · NCUA insured
Discovery Federal Credit Union Savings Rates
Top CarrotDiscovery Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Discovery Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Reading, PA, where Discovery Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Discovery Federal Credit Union
1.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $100
Money Market
Top rate
Univest
3.75%APY
- Minimum
- —
- Earns on $10,000 a year
- $375
2nd-highest rate
Ephrata National Bank
3.39%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $339
Discovery 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$100,0001.15%
- 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 Discovery 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
1.00%APY
No monthly fees with a balance over $2,500; earn dividends with a balance over $2,500. Unlimited in-person transactions.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $25,000 | 1.00% | $100 |
| $25,000 – $50,000 | 1.10% | — |
| $50,000 – $100,000 | 1.15% | — |
| $100,000 – $250,000 | 1.20% | — |
| Over $250,000 | 1.25% | — |
Basic Savings
0.05%APY
With $5 establishes membership with Discovery FCU. Minimum balance of $5. At least one transaction needs to be made to the account at least once every 12 months to avoid a monthly inactivity fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Assumes dividends remain on deposit and subject to change.Over $0 | 0.05% | $5 | Assumes dividends remain on deposit and subject to change. |
Special-purpose accounts
Traditional IRA
1.00%APY
Eligible to anyone with an annual income or compensation of any kind. No monthly maintenance fees. Dividends compounded and paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Assumes dividends remain on deposit and subject to change.Over $0 | 1.00% | $100 | Assumes dividends remain on deposit and subject to change. |
Sources (2)
All captured Oct 16, 2026
Who can join Discovery Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- People across the U.S. are eligible for membership through a complimentary membership to association partner Community Impact Fund (CIF).
Employers and groups
- Individuals who are members from Select Employer Groups are eligible for membership.
Family and household
- Individuals who have an immediate family or household member who is already a member are eligible to join.
Membership information collected October 5, 2026.