Credit union · NCUA insured
First Responders Credit Union Savings Rates
First Responders Credit Union’s best savings rate is 0.30% APY on $10,000, with its Tiered Rate Money Market Account (MMDA). Rates checked October 15, 2026.
How First Responders Credit Union’s savings rates compare
Compared with banks and credit unions near Boston, MA-NH, where First Responders Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Responders Credit Union
0.30%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $30
Tiered Rate Money Market Account (MMDA)
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
First Responders Credit Union savings score
75
Savings score
Higher than 39% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0001.75%
- QualifiedQualified0.30%
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 Responders 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.
Tiered Rate Money Market Account (MMDA)
0.30%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.25% | — |
| $10,000 – $25,000 | 0.30% | $30 |
| $25,000 – $50,000 | 0.40% | — |
| $50,000 – $100,000 | 1.00% | — |
| $100,000 and up | 1.75% | — |
Sources (1)
- firstresponderscu.org/accounts…ng/money-market-accounts · captured Oct 5, 2026
Insurance Share Account
0.25%APY
Dividends are compounded and credited monthly and paid on any amount on deposit. Membership eligibility required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceListed under Secondary Share Accounts.Any balance | 0.25% | $25 | Listed under Secondary Share Accounts. |
Sources (1)
- firstresponderscu.org/accounts/deposit-rates · captured Oct 15, 2026
Real Estate Suspense Share Account
0.25%APY
Dividends are compounded and credited monthly and paid on any amount on deposit. Membership eligibility required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceListed under Secondary Share Accounts.Any balance | 0.25% | $25 | Listed under Secondary Share Accounts. |
Sources (1)
- firstresponderscu.org/accounts/deposit-rates · captured Oct 15, 2026
Share Account (Savings Account)
0.25%APY
Required to establish membership at First Responders Credit Union. Membership is limited to first responder community in Massachusetts, Boston Firefighters CU employees/retirees, and qualifying family members.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceUp to 0.25% APY stated on savings landing page. Minimum opening balance is $5.00.Any balance | 0.25% | $25 | Up to 0.25% APY stated on savings landing page. Minimum opening balance is $5.00. |
VISA Autopay Share Account
0.25%APY
Dividends are compounded and credited monthly and paid on any amount on deposit. Membership eligibility required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceListed under Secondary Share Accounts.Any balance | 0.25% | $25 | Listed under Secondary Share Accounts. |
Sources (1)
- firstresponderscu.org/accounts/deposit-rates · captured Oct 15, 2026
Special-purpose accounts
IRA Tiered Rate Money Market Account (IRA MMDA)
0.30%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.25% | — |
| $10,000 – $25,000 | 0.30% | $30 |
| $25,000 – $50,000 | 0.40% | — |
| $50,000 – $100,000 | 1.00% | — |
| $100,000 and up | 1.75% | — |
Sources (1)
- firstresponderscu.org/accounts…ng/money-market-accounts · captured Oct 5, 2026
Jake Jr. Tiered Rate Money Market Account (MMDA)
0.75%APY
Available for members under the age of 18.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.25% | — |
| $1,000 – $5,000 | 0.50% | — |
| $5,000 and up | 0.75% | $75 |
Sources (1)
- firstresponderscu.org/accounts…ke-junior-youth-accounts · captured Oct 5, 2026
All-Purpose Club Account
0.25%APY
Minimum weekly deposit of $5.00. Disbursements will be made by Direct Transfer to Share Accounts in March, June, September or December. Dividends are compounded and credited monthly. Membership eligibility required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid at stated rate on any amount on deposit. Minimum weekly deposit of $5.00. Disbursements made in March, June, September or December.Any balance | 0.25% | $25 | Dividends paid at stated rate on any amount on deposit. Minimum weekly deposit of $5.00. Disbursements made in March, June, September or December. |
Sources (1)
- firstresponderscu.org/accounts/deposit-rates · captured Oct 15, 2026
Christmas Club Account
0.25%APY
Minimum weekly deposit of $5.00. Disbursements will be made by Direct Transfer to Share Accounts in November. Dividends are compounded and credited monthly. Membership eligibility required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid at stated rate on any amount on deposit. Minimum weekly deposit of $5.00. Disbursements made in November.Any balance | 0.25% | $25 | Dividends paid at stated rate on any amount on deposit. Minimum weekly deposit of $5.00. Disbursements made in November. |
Sources (1)
- firstresponderscu.org/accounts/deposit-rates · captured Oct 15, 2026
Club Account
0.25%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceWeekly deposit of $5.00 required. Disbursements: All-Purpose Club Accounts in March, June, September, December; Christmas Club Accounts in November.Any balance | 0.25% | $25 | Weekly deposit of $5.00 required. Disbursements: All-Purpose Club Accounts in March, June, September, December; Christmas Club Accounts in November. |
Sources (1)
- firstresponderscu.org/accounts/deposit-rates · captured Oct 15, 2026
IRA Share Account
0.25%APY
Dividends are compounded and credited monthly and paid on any amount on deposit. Membership eligibility required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceListed under Secondary Share Accounts.Any balance | 0.25% | $25 | Listed under Secondary Share Accounts. |
Sources (1)
- firstresponderscu.org/accounts/deposit-rates · captured Oct 15, 2026
Jake Jr. Share Account
0.25%APY
Dividends are compounded and credited monthly and paid on any amount on deposit according to the dividend calculation method in the account disclosure. Membership eligibility required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are compounded and credited monthly and are paid at the stated rates on any amount on deposit according to the dividend calculation method in the account disclosure.Any balance | 0.25% | $25 | Dividends are compounded and credited monthly and are paid at the stated rates on any amount on deposit according to the dividend calculation method in the account disclosure. |
Sources (1)
- firstresponderscu.org/accounts/deposit-rates · captured Oct 15, 2026
Who can join First Responders Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and retirees of Boston Firefighters Credit Union are eligible for membership.
- Labor Union employees and retirees thereof serving the first responder community in Massachusetts are eligible for membership.
Military, government and schools
- Employees and retirees of fire departments, law enforcement departments, and municipally operated EMS departments in Massachusetts are eligible for membership.
Family and household
- Family members of eligible persons (including spouses, domestic partners sharing the same household, children, parents, grandparents, grandchildren, siblings, aunts, uncles, cousins, nieces, and nephews by blood or marriage) are eligible for membership.
Membership information collected October 5, 2026.