Credit union · NCUA insured
FourLeaf Federal Credit Union Savings Rates
FourLeaf Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How FourLeaf Federal Credit Union’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where FourLeaf Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
FourLeaf Federal Credit Union
0.10%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $10
Money Market Account
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
FourLeaf Federal Credit Union savings score
65
Savings score
Higher than 15% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.25%
- 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 FourLeaf 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 Account
0.10%APY
Membership required (requires opening and maintaining a $5 Savings Account). Variable APY applies by balance tier to the entire balance based on daily ending balance. Minimum balance requirement of $5.00 to open online and $1.00 when opened in a branch.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Tier 1: 0.10% APY and 0.10% Dividend Rate for balances $0.00 - $499.99. | 0.10% | — | Tier 1: 0.10% APY and 0.10% Dividend Rate for balances $0.00 - $499.99. |
| $500 – $50,000Tier 2: 0.10% APY and 0.10% Dividend Rate for balances $500.00 - $49,999.99. | 0.10% | $10 | Tier 2: 0.10% APY and 0.10% Dividend Rate for balances $500.00 - $49,999.99. |
| $50,000 – $100,000Tier 3: 0.15% APY and 0.15% Dividend Rate for balances $50,000.00 - $99,999.99. | 0.15% | — | Tier 3: 0.15% APY and 0.15% Dividend Rate for balances $50,000.00 - $99,999.99. |
| $100,000 – $250,000Tier 4: 0.25% APY and 0.25% Dividend Rate for balances $100,000.00- $249,999.99. | 0.25% | — | Tier 4: 0.25% APY and 0.25% Dividend Rate for balances $100,000.00- $249,999.99. |
| $250,000 – $500,000Tier 5: 0.40% APY and 0.40% Dividend Rate for balances $250,000.00 - $499,999.99. | 0.40% | — | Tier 5: 0.40% APY and 0.40% Dividend Rate for balances $250,000.00 - $499,999.99. |
| $500,000 and upTier 6: 1.00% APY and 1.00% Dividend Rate for balances $500,000.00 +. | 1.00% | — | Tier 6: 1.00% APY and 1.00% Dividend Rate for balances $500,000.00 +. |
Sources (1)
- fourleaffcu.com/personal/money-market-account · captured Oct 16, 2026
Special-purpose accounts
Student Savings Account
1.40%APY on $10,000
For ages 20 and under (parent/guardian joint owner required if 17 and under). Membership requires opening a $5 savings account. No monthly maintenance fees. Automatically converts to Savings Account at age 21.
| Part of the balance | Rate on that part |
|---|---|
| Up to $1,000 | 4.91% |
| $1,000 – $10,000 | 1.00% |
On $10,000 the tiers blend to about 1.40% APY, earning $140 a year.
Sources (3)
All captured Oct 16, 2026
Who can join FourLeaf Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is open to anyone across the country under an open charter.
Cost to join
- Opening and maintaining a $5.00 share in a FourLeaf Savings Account is required for membership.
Membership information collected October 5, 2026.