Credit union · NCUA insured
Finger Lakes Federal Credit Union Savings Rates
Top CarrotFinger Lakes Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Accounts. Rates checked October 16, 2026.
How Finger Lakes Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Rochester, NY, where Finger Lakes Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Finger Lakes Federal Credit Union
0.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $50
Money Market Accounts
Top rate
Family First Federal Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Finger Lakes Federal Credit Union savings score
79
Savings score
Higher than 50% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.75%
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 Finger Lakes 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 Accounts
Up to 0.50%APY
Minimum deposit to open is $2,500. Dividend rate and APY may change weekly as determined by the Credit Union's Board of Directors. Minimum withdrawals on Money Market accounts must be $500; ATM withdrawals are not permitted. Dividends paid weekly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 0.40% | $40 |
| $10,000 and up | 0.50% | $50 |
| $25,000 and up | 0.60% | — |
| $50,000 and up | 0.65% | — |
| $100,000 and up | 0.75% | — |
| $250,000 and up | 0.85% | — |
Sources (2)
All captured Oct 6, 2026
Kasasa Saver
0.75%APY on $10,000
Requires a linked Kasasa Cash or Kasasa Cash Back checking account ($5.00 opening deposit required for linked account). Limit of 1 account per SSN. Not for commercial purposes. No monthly maintenance fee. $5.00 minimum deposit to open Kasasa Saver account. To qualify for reward rates, the linked checking account must meet monthly qualifications: at least 1 direct deposit/ACH credit/ACH payment, at least 12 debit card purchases, and enrollment in eStatements.
| Part of the balance | Rate on that part |
|---|---|
| Up to $50,000 | 0.75% |
| $50,000 and up | 0.25% |
On $10,000 the tiers blend to about 0.75% APY, earning $75 a year.
Sources (2)
All captured Oct 6, 2026
Share Account
0.10%APY
Membership eligibility required. $5.00 and Photo ID required when opening account. Minimum balance requirement is $5.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Oct 6, 2026
Escrow
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- flfcu.org/bank/savings/deposit-rates · captured Oct 6, 2026
Special-purpose accounts
IRA Account
0.20%APY
Includes Traditional and Roth IRA options. No minimum to open. Contributions and earnings rules apply based on IRA type.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (2)
All captured Oct 6, 2026
Holiday Club
0.05%APY
No minimum to open. One-time automatic transfer to FLFCU savings account on October 1st.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Oct 6, 2026
Who can join Finger Lakes Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.