Credit union · NCUA insured
Encompass Niagara Federal Credit Union Savings Rates
Encompass Niagara Federal Credit Union’s best savings rate is 0.05% APY on $10,000, with its Regular Savings. Rates checked October 16, 2026.
How Encompass Niagara Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Buffalo, NY, where Encompass Niagara Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Encompass Niagara Federal Credit Union
0.05%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $5
Regular Savings
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
Encompass Niagara Federal Credit Union savings score
61
Savings score
Higher than 3% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
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 Encompass Niagara 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.
Regular Savings
0.05%APY
Having a Savings account makes you a member of our Federal Credit Union. Membership requires living, working, worshipping, attending school, or volunteering in Niagara County.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest credited quarterly, early withdrawal penalty applies.Any balance | 0.05% | $5 | Interest credited quarterly, early withdrawal penalty applies. |
Special-purpose accounts
Christmas Club
0.05%APY
Save money all year for the holidays; funds available to you beginning October 1.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest credited quarterly, early withdrawal penalty applies.Any balance | 0.05% | $5 | Interest credited quarterly, early withdrawal penalty applies. |
Vacation Club
0.05%APY
Save money all year for when you're ready for vacation.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest credited quarterly, early withdrawal penalty applies.Any balance | 0.05% | $5 | Interest credited quarterly, early withdrawal penalty applies. |
Who can join Encompass Niagara Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.