Credit union · NCUA insured
EmpireONE Federal Credit Union Savings Rates
EmpireONE Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its MONEY MARKET. Rates checked October 16, 2026.
How EmpireONE Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Buffalo, NY, where EmpireONE Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
EmpireONE Federal Credit Union
0.10%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $10
MONEY MARKET
Top rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
EmpireONE Federal Credit Union savings score
63
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.20%
- 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 EmpireONE 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
Up to 0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 0.05% | $5 |
| $10,000 and up | 0.10% | $10 |
| $25,000 and up | 0.15% | — |
| $50,000 and up | 0.20% | — |
Regular Savings
0.05%APY
Opening minimum deposit of $25 to establish credit union membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upEarns dividends on balances of $500 or more.$500 and up | 0.05% | $5 | Earns dividends on balances of $500 or more. |
Secondary Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 and up | 0.05% | $5 |
Sources (1)
- empireonefcu.org/rates · captured Sep 17, 2026
Special-purpose accounts
Holiday Club
0.05%APY
Save from October through September 30th; funds automatically transfer to Savings account on October 1st. Fee applies to withdrawals throughout the year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upNo minimum deposit required to open.$500 and up | 0.05% | $5 | No minimum deposit required to open. |
Sources (3)
All captured Sep 17, 2026
Individual Retirement Accounts (IRAs)
0.05%APY
Options include Traditional IRA, Roth IRA, and Education IRA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 and up | 0.05% | $5 |
Who can join EmpireONE 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 go to school in Erie County, New York, and can prove US citizenship, are eligible for membership.
Family and household
- Immediate family members and others living in the household of an existing Empire ONE Federal Credit Union member are eligible to join.
Membership information collected October 5, 2026.