Credit union · NCUA insured
Hartford Federal Credit Union Savings Rates
Hartford Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Gold One Money Market Account. Rates checked October 22, 2026.
How Hartford Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Hartford, CT, where Hartford Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Hartford Federal Credit Union
0.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $25
Gold One Money Market Account
Top rate
Franklin Trust Federal Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
2nd-highest rate
Nutmeg State Financial Credit Union
4.00%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
Hartford Federal Credit Union savings score
70
Savings score
Higher than 27% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0001.10%
- QualifiedQualified0.25%
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 Hartford 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.
Gold One Money Market Account
0.25%APY
Dividends are paid monthly. Rates subject to change without prior notice. Must be an eligible member of Hartford Federal Credit Union.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $9,999Dividends paid monthly. | 0.20% | — | Dividends paid monthly. |
| $10,000 – $24,999Dividends paid monthly. | 0.25% | $25 | Dividends paid monthly. |
| $25,000 – $49,999Dividends paid monthly. | 0.60% | — | Dividends paid monthly. |
| $50,000 – $74,999Dividends paid monthly. | 0.75% | — | Dividends paid monthly. |
| $75,000 – $99,999Dividends paid monthly. | 0.90% | — | Dividends paid monthly. |
| $100,000 – $249,999Dividends paid monthly. | 1.10% | — | Dividends paid monthly. |
| $250,000 and upDividends paid monthly. | 2.00% | — | Dividends paid monthly. |
Sources (2)
All captured Oct 15, 2026
Gold-1 Savings
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $9,999Dividends paid monthly. | 0.20% | — | Dividends paid monthly. |
| $10,000 – $24,999Dividends paid monthly. | 0.25% | $25 | Dividends paid monthly. |
| $25,000 – $49,999Dividends paid monthly. | 0.60% | — | Dividends paid monthly. |
| $50,000 – $74,999Dividends paid monthly. | 0.75% | — | Dividends paid monthly. |
| $75,000 – $99,999Dividends paid monthly. | 0.90% | — | Dividends paid monthly. |
| $100,000 – $249,999Dividends paid monthly. | 1.10% | — | Dividends paid monthly. |
| $250,000 and upDividends paid monthly. | 2.00% | — | Dividends paid monthly. |
Sources (3)
- hartfordfcu.com/Accounts/Savings-Certificates.aspx
- hartfordfcu.com/Loans-Visa/Rates/Savings-Rates.aspx
- hartfordfcu.com/Loans-Visa/Rates.aspx
All captured Oct 15, 2026
Share Savings Account
0.01%APY
Dividends are compounded and paid quarterly. Minimum initial deposit of $5 establishes credit union membership. $100 minimum balance required to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum balance to earn dividends. Dividends paid quarterly.$100 and up | 0.01% | $1 | $100 minimum balance to earn dividends. Dividends paid quarterly. |
Sources (3)
- hartfordfcu.com/Accounts/Savings-Certificates.aspx
- hartfordfcu.com/Loans-Visa/Rates/Savings-Rates.aspx
- hartfordfcu.com/Loans-Visa/Rates.aspx
All captured Oct 15, 2026
Special-purpose accounts
IRA Accumulator
0.35%APY
Dividends are compounded and paid monthly. Available under Traditional, Roth, and Coverdell Education Savings IRA programs.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required to earn dividends. Dividends paid monthly.Any balance | 0.35% | $35 | No minimum balance required to earn dividends. Dividends paid monthly. |
Sources (3)
- hartfordfcu.com/Loans-Visa/Rates/Savings-Rates.aspx
- hartfordfcu.com/Loans-Visa/Rates.aspx
- hartfordfcu.com/Accounts/IRAs.aspx
All captured Oct 15, 2026
Holiday Club Account
0.05%APY
No minimum balance requirement to open. Dividends are compounded and paid quarterly on balances of $100 or more. Funds are available for withdrawal in late October; earnings could be reduced for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum balance to earn dividends. Dividends paid quarterly. Early withdrawal penalties may apply; earnings could be reduced for early withdrawal. Funds available in late October.$100 and up | 0.05% | $5 | $100 minimum balance to earn dividends. Dividends paid quarterly. Early withdrawal penalties may apply; earnings could be reduced for early withdrawal. Funds available in late October. |
Sources (3)
- hartfordfcu.com/Accounts/Savings-Certificates.aspx
- hartfordfcu.com/Loans-Visa/Rates/Savings-Rates.aspx
- hartfordfcu.com/Loans-Visa/Rates.aspx
All captured Oct 15, 2026
Vacation Club Account
0.05%APY
No minimum balance requirement. Dividends are compounded and paid quarterly on balances of $100 or more. Withdrawals allowed up to four times each calendar year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum balance to earn dividends. Dividends paid quarterly. Withdraw savings up to four times each calendar year.$100 and up | 0.05% | $5 | $100 minimum balance to earn dividends. Dividends paid quarterly. Withdraw savings up to four times each calendar year. |
Sources (3)
- hartfordfcu.com/Accounts/Savings-Certificates.aspx
- hartfordfcu.com/Loans-Visa/Rates/Savings-Rates.aspx
- hartfordfcu.com/Loans-Visa/Rates.aspx
All captured Oct 15, 2026
Who can join Hartford Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.