Credit union · NCUA insured
Greater Alliance Federal Credit Union Savings Rates
Top CarrotGreater Alliance Federal Credit Union’s best savings rate is 0.35% APY on $10,000, with its Primary Savings. Rates checked October 22, 2026.
How Greater Alliance Federal Credit Union’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where Greater Alliance Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Greater Alliance Federal Credit Union
4.00%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $400
New Member (Promotional) Savings
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
Greater Alliance Federal Credit Union savings score
94
Savings score
Higher than 96% of U.S. banks and credit unions
- $1,000 balance$1,0004.00%
- $10,000 balance$10,0004.00%
- $100,000 balance$100,0000.35%
- QualifiedQualified4.00%
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 Greater Alliance 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.
New Member (Promotional) Savings
4.00%APY
Tiered rate account; specified dividend rate applies only to the portion of the balance within that tier. Available only to new members of the credit union (one account per new member). 4.00% APY is valid for the first year of membership only, after which regular savings rates apply. Minimum balance to earn dividends is $100.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $101 – $10,000Promotional rate of 4.00% APY applies to the first $10,000 for the first year of membership only. Minimum opening deposit $500. Minimum balance to earn dividends is $100. | 4.00% | $400 | Promotional rate of 4.00% APY applies to the first $10,000 for the first year of membership only. Minimum opening deposit $500. Minimum balance to earn dividends is $100. |
| $10,001 and upBalances over $10,000 earn the standard savings rate. | 0.35% | — | Balances over $10,000 earn the standard savings rate. |
Primary Savings
0.35%APY
Tiered rate account; dividend rate for a tier applies to the entire balance. Minimum balance to avoid a $15.00 monthly service charge is $100 (waived for members under age 18 / under age 21 with a Youth account). Minimum opening balance is $25 ($25 minimum balance to maintain membership). Must live, work, worship, go to school, volunteer, have immediate family as member, or do business in Bergen & Passaic Counties.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $99Minimum balance to earn dividends is $100. Monthly fee of $15.00 applies if balance is less than $100.00 (waived for members under age 18 / under age 21 with a Youth account). | 0.00% | — | Minimum balance to earn dividends is $100. Monthly fee of $15.00 applies if balance is less than $100.00 (waived for members under age 18 / under age 21 with a Youth account). |
| $100 – $1,500 | 0.25% | — | |
| $1,500 – $10,000 | 0.30% | — | |
| $10,000 and up | 0.35% | $35 |
Sources (3)
- greateralliance.org/wp-content…promotional-savings-.pdf
- greateralliance.org/rates
- greateralliance.org/service/sa…account/personal-savings
All captured Sep 24, 2026
“Don't Touch It” Savings Account
0.35%APY
Designed to help members reach savings goals. Direct deposit, digital banking, phone, or branch deposits/transfers permitted without withdrawal fee penalty.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum opening deposit $5.00.Any balance | 0.35% | $35 | Minimum opening deposit $5.00. |
Sources (3)
- greateralliance.org/wp-content…promotional-savings-.pdf
- greateralliance.org/rates
- greateralliance.org/service/sa…nt/club-savings-accounts
All captured Sep 24, 2026
Special-purpose accounts
Summer Escrow Savings
3.00%APY
For employees paid through direct deposit who work 10 months of the year (such as teachers and administrative school staff). Deposits must be made through direct deposit/digital banking transfers between September 1 and June 30 of each year, maximum $1,500 per month ($2,000 per pay period) and $15,000 per year. The entire balance is transferred to the primary savings account on July 1 of each year.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $20,000Earns 3.00% APY on balances up to $20,000. Deposits must be made via direct deposit between September 1 and June 30. | 3.00% | $300 | Earns 3.00% APY on balances up to $20,000. Deposits must be made via direct deposit between September 1 and June 30. |
| $20,001 and upBalances over $20,000 earn 0.00% APY. | 0.00% | — | Balances over $20,000 earn 0.00% APY. |
Youth Savings
0.35%APY
Tiered rate account; specified dividend rate for a tier applies only to the portion of the account balance within that tier. Must be opened at a branch. For kids/teens/young adults up to age 21 (parent/legal guardian joint owner required under 18; automatically converted to regular share savings account at age 21).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Rate applies to balance portion up to $2,000. | 1.10% | — | Rate applies to balance portion up to $2,000. |
| $2,001 and upRate applies to balance portion over $2,000. | 0.35% | $35 | Rate applies to balance portion over $2,000. |
Coverdell Education IRA Savings
0.35%APY
Custodial account designed to help families save for a child's education expenses from kindergarten through college for designated beneficiaries under age 18 (or beyond for special needs).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.35% | $35 |
Sources (2)
- greateralliance.org/wp-content…promotional-savings-.pdf
- greateralliance.org/service/savings-account/ira
All captured Sep 24, 2026
Education Club
0.35%APY
Club savings account for education savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum opening deposit $5.00.Any balance | 0.35% | $35 | Minimum opening deposit $5.00. |
Sources (2)
All captured Sep 24, 2026
Freedom/Vacation Club
0.35%APY
Deposited funds are held in the club account and can be withdrawn every 6 months without penalty. Early withdrawals incur a $10 fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum opening deposit $5.00. Withdrawals permitted every 6 months without penalty; $10 fee assessed for early withdrawals.Any balance | 0.35% | $35 | Minimum opening deposit $5.00. Withdrawals permitted every 6 months without penalty; $10 fee assessed for early withdrawals. |
Sources (3)
- greateralliance.org/wp-content…promotional-savings-.pdf
- greateralliance.org/rates
- greateralliance.org/service/sa…nt/club-savings-accounts
All captured Sep 24, 2026
Holiday Club
0.35%APY
Deposited funds are held until October 15th of each calendar year, then transferred to primary/regular savings account. Withdrawals prior to October 15 maturity date incur a $10 early withdrawal penalty and account closure (can be reopened October 15th).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum opening deposit $5.00. Early withdrawal prior to October 15 incurs a $10 fee.Any balance | 0.35% | $35 | Minimum opening deposit $5.00. Early withdrawal prior to October 15 incurs a $10 fee. |
Sources (3)
- greateralliance.org/wp-content…promotional-savings-.pdf
- greateralliance.org/rates
- greateralliance.org/service/sa…nt/club-savings-accounts
All captured Sep 24, 2026
IRA Savings
0.35%APY
Traditional IRA savings account. Must be opened at a branch with a $500 minimum balance according to IRA service page disclosures.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust be opened at a branch.Any balance | 0.35% | $35 | Must be opened at a branch. |
Sources (2)
- greateralliance.org/wp-content…promotional-savings-.pdf
- greateralliance.org/service/savings-account/ira
All captured Sep 24, 2026
Roth IRA Savings
0.35%APY
Roth IRA savings account. Tax-free distributions in retirement. Must be opened at a branch with a $500 minimum opening balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust be opened at a branch.Any balance | 0.35% | $35 | Must be opened at a branch. |
Sources (2)
- greateralliance.org/wp-content…promotional-savings-.pdf
- greateralliance.org/service/savings-account/ira
All captured Sep 24, 2026
15-Month Home Buyer Savings Club
0.15%APY · 1 term
Tiered rate account; specified dividend rate applies only to the portion of the balance within that tier. Maximum account duration is 15 months. Monthly deposits must be between $100 and $500 (net deposits of at least $100/month, one month may be skipped). Account closes and transfers funds to primary savings at time of qualifying mortgage loan closing or after 15 months. Prequalification within 30 days and GreenPath Homebuyer Counseling ($25 online fee) qualify member for $1,000 mortgage closing cost credit on primary residence loan under $475,000.
| Term | APY · Up to $7,499 | APY · $7,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12–15 monthsApplies to balance portion $7,500 and over. Monthly deposit between $100 and $500 required | — | 0.15% | 0.15% | $15 |
| 12–15 monthsApplies to balances up to $7,499. Monthly deposit between $100 and $500 required | 0.20% | — | —0.20% to $7.5k | — |
Who can join Greater Alliance 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
- Membership is open to anyone who lives, works, worships, attends school, or regularly conducts business in Bergen and Passaic Counties.
Family and household
- Membership is open to immediate family members (spouse, parent, stepparent, child, stepchild, sibling, step-sibling, grandchild, grandparent, or great-grandparent).
Membership information collected October 5, 2026.