G.P.O. Federal Credit Union Savings & Money Market Rates

How G.P.O. Federal Credit Union’s savings rates compare

Compared with banks and credit unions near Utica, NY, where G.P.O. Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
G.P.O. Federal Credit Union
1.30%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$130
Money Market Share
Top rate
Beacon Bank
3.20%APY
Requires
Another account
Minimum
$250
Earns on $10,000 a year
$320
Beacon Bank rates
2nd-highest rate
Bank of Utica
2.30%APY
Requires
None
Minimum
$100
Earns on $10,000 a year
$230
Bank of Utica rates

Compare savings rates near you →

Savings score

Higher than 78% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.25%
$10,000 balance$10,0001.30%
$100,000 balance$100,0001.60%
QualifiedQualified1.30%

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.

How the score works →

Where G.P.O. 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 Share

1.30%APY

Membership eligibility required. Variable rate, compounded and posted monthly. Dividends calculated using daily balance method. Account balances below $2,000 minimum earn 0.20% less than posted regular share rate.

Earnings on $10,000 over a year.
Balance	APY	Minimum	Earns on $10,000 a yearEarns	Requirement
Up to $2,000Variable rate. Minimum balance to earn stated APY is $50.01. · $0 to open	0.05%	$0	—	Variable rate. Minimum balance to earn stated APY is $50.01.
$2,000 – $20,000Variable rate. · $0 to open	1.30%	$0	$130	Variable rate.
$2,000 – $20,000Variable rate. Account balances below $2,000 minimum earn 0.20% less than posted regular share rate. · $2,000 to open	1.30%	$2,000	$130	Variable rate. Account balances below $2,000 minimum earn 0.20% less than posted regular share rate.
$20,000 – $50,000Variable rate. · $0 to open	1.40%	$0	—	Variable rate.
$20,000 – $50,000Variable rate. Account balances below $2,000 minimum earn 0.20% less than posted regular share rate. · $2,000 to open	1.40%	$2,000	—	Variable rate. Account balances below $2,000 minimum earn 0.20% less than posted regular share rate.
$50,000 and upVariable rate. · $0 to open	1.60%	$0	—	Variable rate.
$50,000 and upVariable rate. Account balances below $2,000 minimum earn 0.20% less than posted regular share rate. · $2,000 to open	1.60%	$2,000	—	Variable rate. Account balances below $2,000 minimum earn 0.20% less than posted regular share rate.

Sources (6)

All captured Oct 5, 2026

Loan Payment Share Savings

0.25%APY

Membership eligibility required. Variable rate, compounded and paid monthly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $50Minimum balance of $50.01 required to earn interest.Over $50	0.25%	$25	Minimum balance of $50.01 required to earn interest.

Sources (3)

All captured Oct 16, 2026

Share Savings

0.25%APY$5 to open

Membership eligibility required. Variable rate, compounded and paid monthly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $50Minimum balance of $50.01 required to earn interest. $5 minimum deposit to open. No monthly service or maintenance fees.Over $50	0.25%	$25	Minimum balance of $50.01 required to earn interest. $5 minimum deposit to open. No monthly service or maintenance fees.

Sources (3)

All captured Oct 16, 2026

Special-purpose accounts

Money Market IRA

1.30%APYIRA

Account types include Traditional, Roth, and Educational IRAs. Membership eligibility required. Variable rate, compounded and posted monthly. Dividends calculated using daily balance method. Account balances below $2,000 minimum earn 0.20% less than posted regular share rate.

Earnings on $10,000 over a year.
Balance	APY	Minimum	Earns on $10,000 a yearEarns	Requirement
Up to $2,000Variable rate. Minimum balance to earn stated APY is $50.01. Applies to Traditional, Roth, and Educational IRAs. · $0 to open	0.05%	$0	—	Variable rate. Minimum balance to earn stated APY is $50.01. Applies to Traditional, Roth, and Educational IRAs.
$2,000 – $20,000Variable rate. Applies to Traditional, Roth, and Educational IRAs. · $0 to open	1.30%	$0	$130	Variable rate. Applies to Traditional, Roth, and Educational IRAs.
$2,000 – $20,000Variable rate. Account balances below $2,000 minimum earn 0.20% less than posted regular share rate. Available for Traditional, Roth, and Educational IRAs. · Unknown to open	1.30%	Unknown	$130	Variable rate. Account balances below $2,000 minimum earn 0.20% less than posted regular share rate. Available for Traditional, Roth, and Educational IRAs.
$20,000 – $50,000Variable rate. Applies to Traditional, Roth, and Educational IRAs. · $0 to open	1.40%	$0	—	Variable rate. Applies to Traditional, Roth, and Educational IRAs.
$20,000 – $50,000Variable rate. Account balances below $2,000 minimum earn 0.20% less than posted regular share rate. Available for Traditional, Roth, and Educational IRAs. · Unknown to open	1.40%	Unknown	—	Variable rate. Account balances below $2,000 minimum earn 0.20% less than posted regular share rate. Available for Traditional, Roth, and Educational IRAs.
$50,000 and upVariable rate. Applies to Traditional and Roth IRAs. · $0 to open	1.60%	$0	—	Variable rate. Applies to Traditional and Roth IRAs.
$50,000 and upVariable rate. Account balances below $2,000 minimum earn 0.20% less than posted regular share rate. Available for Traditional, Roth, and Educational IRAs. · Unknown to open	1.60%	Unknown	—	Variable rate. Account balances below $2,000 minimum earn 0.20% less than posted regular share rate. Available for Traditional, Roth, and Educational IRAs.

Sources (5)

All captured Oct 5, 2026

Bright Future Savings

0.25%APYKids and teens

Membership eligibility required. Tailored to child's age or grade level.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNo minimum balance required to earn interest. No fees. Annual savings goal runs on a July 1–June 30 calendar year.Any balance	0.25%	$25	No minimum balance required to earn interest. No fees. Annual savings goal runs on a July 1–June 30 calendar year.

Sources (4)

All captured Oct 16, 2026

Club Accounts

0.25%APYClub

Club Accounts include Special Purpose, Christmas, and Vacation Accounts. Membership eligibility required.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $50No monthly service or maintenance fees. Minimum balance of $50.01 required to earn interest.Over $50	0.25%	$25	No monthly service or maintenance fees. Minimum balance of $50.01 required to earn interest.

Sources (2)

All captured Oct 16, 2026

Health Savings Account (HSA)

0.25%APYHSA

Must be covered under a High-Deductible Health Plan (HDHP) and meet HSA eligibility criteria. Membership eligibility required.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $50No monthly service or maintenance fees. No minimum balance required on account detail; minimum balance of $50.01 required to earn interest.Over $50	0.25%	$25	No monthly service or maintenance fees. No minimum balance required on account detail; minimum balance of $50.01 required to earn interest.

Sources (3)

All captured Oct 16, 2026

Kids' Cash Savings

0.25%APYKids and teens$5 to open

Eligible for children ages 12 and younger; converts to Share Savings or teen account at age 13. Membership eligibility required.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNo minimum balance required to earn interest. No monthly service or maintenance fees. $5 minimum opening deposit.Any balance	0.25%	$25	No minimum balance required to earn interest. No monthly service or maintenance fees. $5 minimum opening deposit.

Sources (4)

All captured Oct 16, 2026

Who can join G.P.O. Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Individuals qualify for membership if they live, work, attend school, worship, or regularly conduct business in Hamilton, Herkimer, Oneida, Madison, Otsego, Chenango, Onondaga, Lewis, or Essex County.
Individuals qualify for membership by volunteering within the field of membership across eligible counties.

Family and household

Immediate family or household members are eligible for membership.

Other ways

Organizations, corporations, businesses, and other legal entities located in eligible areas or within the field of membership qualify for membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

← G.P.O. Federal Credit Union overview

How G.P.O. Federal Credit Union’s savings rates compare

G.P.O. Federal Credit Union savings score

Current savings rates

Money Market Share

Loan Payment Share Savings

Share Savings

Special-purpose accounts

Money Market IRA

Bright Future Savings

Club Accounts

Health Savings Account (HSA)

Kids' Cash Savings

Who can join G.P.O. Federal Credit Union

Where you live or work

Family and household

Other ways