Credit union · NCUA insured
Ellafi Federal Credit Union Savings Rates
Ellafi Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Amplifi Money Market Account. Rates checked October 22, 2026.
How Ellafi Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Hartford, CT, where Ellafi Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ellafi Federal Credit Union
0.50%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $50
Amplifi Money Market Account
Top rate
Franklin Trust Federal Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
2nd-highest rate
Nutmeg State Financial Credit Union
4.00%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
Ellafi Federal Credit Union savings score
79
Savings score
Higher than 50% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.50%
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 Ellafi 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.
Amplifi Money Market Account
0.50%APY
Minimum opening deposit of $1,000. Dividends are compounded and credited monthly using the average daily balance method.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $10,000 | 0.40% | — |
| $10,000 – $50,000 | 0.50% | $50 |
| $50,000 – $150,000 | 0.75% | — |
| $150,000 – $250,000 | 1.00% | — |
| $250,000 and up | 2.00% | — |
Sources (2)
All captured Sep 19, 2026
Featured Money Market Account
0.05%APY
Minimum opening deposit of $1,500. Dividends are based on 365 days, paid on the average daily balance, compounded and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,500 – $25,000 | 0.05% | $5 |
| $25,000 – $50,000 | 0.05% | — |
| $50,000 – $100,000 | 0.05% | — |
| $100,000 and up | 0.05% | — |
Sources (1)
- ellafifcu.org/rates-and-fees · captured Sep 19, 2026
Money Market Share Accounts
0.05%APY
Minimum opening deposit of $1,500. Dividends are based on 365 days, paid on the average daily balance, compounded and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,500 – $10,000 | 0.05% | — |
| $10,000 – $25,000 | 0.05% | $5 |
| $25,000 – $50,000 | 0.05% | — |
| $50,000 and up | 0.05% | — |
Sources (1)
- ellafifcu.org/rates-and-fees · captured Sep 19, 2026
Premium Money Market Accounts
0.05%APY
Minimum opening deposit of $25,000. Dividends are based on 365 days, paid on the average daily balance, compounded and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25,000 – $50,000 | 0.05% | — |
| $50,000 – $100,000 | 0.05% | — |
| $100,000 – $150,000 | 0.05% | — |
| $150,000 and up | 0.05% | — |
Sources (1)
- ellafifcu.org/rates-and-fees · captured Sep 19, 2026
Kiosk Savings Account
0.05%APY
Available to members age 18 and up.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$25 minimum Average Daily Balance to earn the APY.$25 and up | 0.05% | $5 | $25 minimum Average Daily Balance to earn the APY. |
Sources (1)
- ellafifcu.org/rates-and-fees · captured Sep 19, 2026
Preferred Share Account
0.00%APY
$5,000 minimum opening deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5,000 – $10,000 | 0.00% | — |
| $10,000 and up | 0.00% | $0 |
Sources (1)
- ellafifcu.org/rates-and-fees · captured Sep 19, 2026
Regular Share Savings Accounts
0.00%APY
$5.00 minimum deposit to open and maintain credit union membership. Aggregate average daily balance of less than $350.00 assessed a $5.50/month Low Balance Fee; fee waived for accounts open <90 days, Saplings Savings / Kiosk Savings holders, open loans, closed loans within last 9 months, under age 18, open active checking/share draft account, EFT deposit within last 2 months, or ACH payroll deposit within last 2 months.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 – $10,000 | 0.00% | — |
| $10,000 – $25,000 | 0.00% | $0 |
| $25,000 – $50,000 | 0.00% | — |
| $50,000 and up | 0.00% | — |
Sources (3)
- ellafifcu.org/accounts/savings
- ellafifcu.org/accounts/savings/share-savings
- ellafifcu.org/rates-and-fees
All captured Sep 19, 2026
Special-purpose accounts
Health Savings Account
0.25%APY
Tax-advantaged savings for medical expenses. $5 minimum deposit to open. No account maintenance or transaction fees. $25 Account Closure Fee. Visa debit card linked.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and up$5 minimum Average Daily Balance to earn the APY.$5 and up | 0.25% | $25 | $5 minimum Average Daily Balance to earn the APY. |
Saplings Savings Account
Up to 0.15%APY
Available exclusively to members ages 17 and under. Parents or legal guardians must open the children's accounts. $5.00 minimum deposit to open and maintain credit union membership. No monthly service fee.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Any balanceAPY accurate as of September 2, 2025. Fixed rate. · Unknown to open | 0.15% | Unknown | $15 | APY accurate as of September 2, 2025. Fixed rate. |
| $25 and up$25 minimum Average Daily Balance to earn the APY. Rate effective May 1, 2026. · $5 to open | 0.05% | $5 | $5 | $25 minimum Average Daily Balance to earn the APY. Rate effective May 1, 2026. |
Sources (3)
- ellafifcu.org/accounts/savings
- ellafifcu.org/accounts/savings/saplings-savings-accounts
- ellafifcu.org/rates-and-fees
All captured Sep 19, 2026
Holiday Club Account
0.05%APY
$5.00 minimum deposit to open and maintain credit union membership. Funds disbursed October 31st / paid out the last week of October, automatically deposited to share account or another account specified by member. Direct deposit available. No minimum balance to earn dividends and no minimum deposit mentioned in promotional text.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$25 minimum Average Daily Balance to earn the APY. No monthly service fee.$25 and up | 0.05% | $5 | $25 minimum Average Daily Balance to earn the APY. No monthly service fee. |
Sources (2)
All captured Sep 19, 2026
IRA Share Account
0.05%APY
Available as Traditional IRA and Roth IRA options. No setup fees, no monthly or annual maintenance fees. $50 minimum deposit to open for IRA Share Accounts. Ellafi membership required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$25 minimum Average Daily Balance to earn the APY.$25 and up | 0.05% | $5 | $25 minimum Average Daily Balance to earn the APY. |
Vacation Club Account
0.05%APY
$5.00 minimum deposit to open and maintain credit union membership. Funds available for withdrawal at any time. Direct deposit available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$25 minimum Average Daily Balance to earn the APY. No monthly service fee.$25 and up | 0.05% | $5 | $25 minimum Average Daily Balance to earn the APY. No monthly service fee. |
Sources (2)
All captured Sep 19, 2026
Who can join Ellafi 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
- Eligibility is open to individuals who live, work, worship, attend school, or volunteer in Branford, Cheshire, Chester, Clinton, Cromwell, Deep River, Durham, East Haddam, East Hampton, East Haven, Essex, Guilford, Haddam, Higganum, Killingworth, Madison, Meriden, Middlefield, Middletown, North Branford, North Haven, Old Saybrook, Portland, Wallingford, or Westbrook.
Family and household
- Eligibility is open to individuals who are related to a current Ellafi member.
Cost to join
- A minimum deposit of at least $5 is required to get started.
Membership information collected October 4, 2026.