Credit union · NCUA insured
Greater Chautauqua Federal Credit Union Savings Rates
Top CarrotGreater Chautauqua Federal Credit Union’s best savings rate is 3.39% APY on $10,000, with its Lucky Savers Account. Rates checked October 16, 2026.
How Greater Chautauqua Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Jamestown, NY, where Greater Chautauqua Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Greater Chautauqua Federal Credit Union
3.39%APY
- Minimum
- $25
- Earns on $10,000 a year
- $339
Lucky Savers Account
Top rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
3rd-highest rate
Inner Lakes Federal Credit Union
1.51%APY
- Minimum
- —
- Earns on $10,000 a year
- $151
Greater Chautauqua Federal Credit Union savings score
95
Savings score
Higher than 98% of U.S. banks and credit unions
- $1,000 balance$1,0003.39%
- $10,000 balance$10,0003.39%
- $100,000 balance$100,0003.39%
- QualifiedQualified3.39%
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 Chautauqua 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.
Lucky Savers Account
3.39%APY · 1 term
Must be 18 years of age or older. Business and Trust accounts are not eligible. $25 must be kept in the account to keep it open. 1 withdrawal in a 12-month period with a $25 withdrawal fee; a 2nd withdrawal closes the account and cannot be reopened for 6 months. Maximum opening deposit is $10,000, subsequent deposits allowed up to $500 per month.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEvery $25 saved earns a chance to win cash prizes (up to 10 chances per month) | 3.39% | $339 |
Sources (3)
- greatercfcu.com/accounts/perso…ucky-savers-account.html
- greatercfcu.com/services-tools/tools/rates.html
- greatercfcu.com/accounts/personal-savings
All captured Sep 17, 2026
Money Market Account
1.76%APY
Dividends are calculated and paid monthly on average daily balance. Variable rate subject to change after opening. $25 minimum opening deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.00% | — |
| $2,500 – $10,000 | 1.76% | $176 |
| $10,000 – $25,000 | 1.92% | — |
| Over $25,000 | 2.12% | — |
Sources (2)
- greatercfcu.com/accounts/perso…oney-market-account.html
- greatercfcu.com/services-tools/tools/rates.html
All captured Sep 17, 2026
Free Kasasa Saver
Up to 0.65%APY
Available only with Kasasa Cash or Kasasa Cash Back checking. Limit of 1 account per social security number.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000When qualifications are met in linked Kasasa Cash or Kasasa Cash Back checking account (at least 12 debit card purchases post/settle, at least 1 direct deposit/ACH/mobile deposit, enrolled in eStatements). | 0.65% | $65 | When qualifications are met in linked Kasasa Cash or Kasasa Cash Back checking account (at least 12 debit card purchases post/settle, at least 1 direct deposit/ACH/mobile deposit, enrolled in eStatements). |
| Any balanceBase rate applied to entire balance if qualifications are not met in linked Kasasa Cash or Kasasa Cash Back checking account. | 0.05% | $5 | Base rate applied to entire balance if qualifications are not met in linked Kasasa Cash or Kasasa Cash Back checking account. |
| Over $10,000Earns 0.25% dividend rate on portion of balance over $10,000 (resulting in 0.65% to 0.29% APY depending on balance) when qualifications are met in linked Kasasa Cash or Kasasa Cash Back checking account. | 0.25% | — | Earns 0.25% dividend rate on portion of balance over $10,000 (resulting in 0.65% to 0.29% APY depending on balance) when qualifications are met in linked Kasasa Cash or Kasasa Cash Back checking account. |
Sources (2)
All captured Sep 17, 2026
Regular Share Savings Account
0.05%APY
Establishes membership with the credit union. Up to 5 free withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 and up | 0.05% | $5 |
Sources (3)
- greatercfcu.com/accounts/perso…are-savings-account.html
- greatercfcu.com/services-tools/tools/rates.html
- greatercfcu.com/accounts/personal-savings
All captured Sep 17, 2026
Special-purpose accounts
Billy's Club
1.51%APY
Available to young savers up to 18 years old.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Promotional dividend rate on balances up to $2,500.Up to $2,500 | 1.51% | — | Promotional dividend rate on balances up to $2,500. |
Sources (2)
All captured Sep 17, 2026
Teen Club
1.51%APY
Available to young savers up to 18 years old.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Promotional dividend rate on balances up to $2,500.Up to $2,500 | 1.51% | — | Promotional dividend rate on balances up to $2,500. |
Sources (2)
All captured Sep 17, 2026
Individual Retirement Accounts (IRAs)
1.11%APY
Offers Traditional and Roth IRA options. No setup fees, no monthly or annual maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.11% | $111 |
Sources (3)
- greatercfcu.com/accounts/perso…ement-accounts-iras.html
- greatercfcu.com/services-tools/tools/rates.html
- greatercfcu.com/accounts/personal-savings
All captured Sep 17, 2026
Club Account
1.01%APY
1 withdrawal per month at no fee; each additional withdrawal is $5.00. Holiday Club funds are disbursed to a GCFCU account each year in November on Election Day; Vacation Club annual disbursements are established upon account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePaid monthly on average daily balance.Any balance | 1.01% | $100 | Paid monthly on average daily balance. |
Sources (3)
- greatercfcu.com/services-tools/tools/rates.html
- greatercfcu.com/accounts/personal-savings
- greatercfcu.com/accounts/perso…avings/club-account.html
All captured Sep 17, 2026
Youth Savings Account
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.05% | $5 |
Sources (1)
- greatercfcu.com/services-tools/tools/rates.html · captured Sep 17, 2026
Who can join Greater Chautauqua 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 who live, work, or worship in the Chautauqua area are eligible to become a member.
Membership information collected October 5, 2026.