Credit union · NCUA insured
First Atlantic Federal Credit Union Savings Rates
Top CarrotFirst Atlantic Federal Credit Union’s best savings rate is 2.75% APY on $10,000, with its Magnum Money Market. Rates checked October 22, 2026.
How First Atlantic Federal Credit Union’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where First Atlantic Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Atlantic Federal Credit Union
2.75%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $275
Mega Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
First Atlantic Federal Credit Union savings score
94
Savings score
Higher than 96% of U.S. banks and credit unions
- $1,000 balance$1,0002.00%
- $10,000 balance$10,0002.75%
- $100,000 balance$100,0003.75%
- QualifiedQualified2.75%
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 First Atlantic 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.
Magnum Money Market
2.75%APY
APY offer is valid for new money only. Funds used to open this account must be new to First Atlantic Federal Credit Union; transfers from existing First Atlantic accounts do not qualify.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000New money only. | 0.00% | — | New money only. |
| $1,000 – $10,000New money only. | 2.00% | — | New money only. |
| $10,000 – $25,000New money only. | 2.75% | $275 | New money only. |
| $25,000 – $50,000New money only. | 3.50% | — | New money only. |
| $50,000 – $100,000New money only. | 3.60% | — | New money only. |
| $100,000 and upNew money only. | 3.75% | — | New money only. |
Mega Money Market
2.75%APY
APY offer is valid for new money only. Funds used to open and subsequently fund this account must be new to First Atlantic Federal Credit Union; transfers from existing First Atlantic accounts do not qualify. A minimum deposit of $1,000 is required to open this account ($0 stated on product overview table; $1,000 minimum balance to earn dividends). Paper statement fee is $2/month, waived with eStatements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $10,000New money only. Rate applies to entire balance if daily balance is $1,000 or more. | 2.00% | — | New money only. Rate applies to entire balance if daily balance is $1,000 or more. |
| $10,000 – $25,000New money only. Rate applies to entire balance if daily balance is between $10,000.00 and $24,999.99. | 2.75% | $275 | New money only. Rate applies to entire balance if daily balance is between $10,000.00 and $24,999.99. |
| $25,000 – $50,000New money only. Rate applies to entire balance if daily balance is between $25,000.00 and $49,999.99. | 3.50% | — | New money only. Rate applies to entire balance if daily balance is between $25,000.00 and $49,999.99. |
| $50,000 – $100,000New money only. Rate applies to entire balance if daily balance is $50,000.00 or more (per p27 disclosure interest rate is 3.53% / APY 3.60%; p14 table shows rate 3.54% / APY 3.60%). | 3.60% | — | New money only. Rate applies to entire balance if daily balance is $50,000.00 or more (per p27 disclosure interest rate is 3.53% / APY 3.60%; p14 table shows rate 3.54% / APY 3.60%). |
| $100,000 and upNew money only. Rate applies to entire balance if daily balance is $50,000.00 or more. | 3.60% | — | New money only. Rate applies to entire balance if daily balance is $50,000.00 or more. |
Money Market
2.75%APY
Annual Percentage Yield (APY) is available for as long as you maintain the required minimum daily balance. Fees may reduce account earnings. Dividends are computed on an average daily balance and paid monthly. Minimum deposit to open is $0 (or $1,000 to earn dividends). Paper statement fee is $2/month, waived with eStatements.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $10,000 | 2.00% | — |
| $10,000 – $25,000 | 2.75% | $275 |
| $25,000 – $50,000 | 3.50% | — |
| $50,000 – $100,000 | 3.50% | — |
| $100,000 and up | 3.50% | — |
Sources (3)
All captured Oct 4, 2026
Member Savings
0.15%APY
Minimum $5 to open as a condition of admission to membership. Dividends compounded and paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum $5 balance requirement stated on rate sheet; $100 minimum daily balance to earn dividends per account details/disclosures. $2 paper statement fee waived with eStatements.$5 and up | 0.15% | $15 | Minimum $5 balance requirement stated on rate sheet; $100 minimum daily balance to earn dividends per account details/disclosures. $2 paper statement fee waived with eStatements. |
Sources (3)
All captured Oct 4, 2026
Special-purpose accounts
Head Start Youth Savings
0.15%APY
For new members ages 17 and under only. APY earned on balances up to $5,000; balances exceeding $5,000 earn the Youth Savings APY.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000For new members ages 0-17. Tier for balances up to $5,000.00. | 4.00% | — | For new members ages 0-17. Tier for balances up to $5,000.00. |
| $5,000 and upTier for balance amount over $5,000 earning current Youth Savings APY. | 0.15% | $15 | Tier for balance amount over $5,000 earning current Youth Savings APY. |
IRA Savings (Promo Q422)
2.25%APY
Promotional APY offer valid for new money / new members only. Funds used to open must be new to First Atlantic Federal Credit Union; transfers from existing accounts do not qualify. Contact credit union to inquire about opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceValid for new money or new members only. No minimum balance requirement stated in rate table; no minimum deposit to open.Any balance | 2.25% | $225 | Valid for new money or new members only. No minimum balance requirement stated in rate table; no minimum deposit to open. |
IRA Savings
0.15%APY
Available as Traditional or Roth IRA. Contact credit union to inquire about opening. Ongoing contributions, variable rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum deposit to open; no annual fee. No minimum balance requirement stated in rate table.Any balance | 0.15% | $15 | No minimum deposit to open; no annual fee. No minimum balance requirement stated in rate table. |
Sources (3)
All captured Oct 4, 2026
Youth Savings
0.15%APY
For ages 17 and under. Start saving with as little as $5. Dividends compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000No monthly maintenance fees. Rate schedule specifies balance requirements up to $5,000.Up to $5,000 | 0.15% | — | No monthly maintenance fees. Rate schedule specifies balance requirements up to $5,000. |
Club Savings
0.05%APY
Contact credit union to inquire about opening. Dividends calculated by daily balance method and paid annually on a chosen date (or default October 1st). Early withdrawal closes account and forfeits dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and up$0 minimum to open, no minimum deposit/balance schedule requirement; minimum daily balance of $5.00 required to earn dividends. $2 paper statement fee waived with eStatements.$5 and up | 0.05% | $5 | $0 minimum to open, no minimum deposit/balance schedule requirement; minimum daily balance of $5.00 required to earn dividends. $2 paper statement fee waived with eStatements. |
Sources (3)
All captured Oct 4, 2026
Who can join First Atlantic Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.