Credit union · NCUA insured
HTM Credit Union Savings Rates
Top CarrotHTM Credit Union’s best savings rate is 0.05% APY on $10,000, with its Regular Shares (Savings). Rates checked October 15, 2026.
How HTM Credit Union’s savings rates compare
Compared with banks and credit unions near Boston, MA-NH, where HTM Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
HTM Credit Union
0.05%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $5
Regular Shares (Savings)
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
HTM Credit Union savings score
61
Savings score
Higher than 3% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
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 HTM 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.
Regular Shares (Savings)
0.05%APY
Main share account which opens membership. Dividends are earned on the average daily balance, posted and compounded quarterly. Rates are variable.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.05% | $5 |
Sources (3)
- htmcreditunion.com/products-and-services/savings
- htmcreditunion.com/products-an…ar-share-savings-account
- htmcreditunion.com/rates/savings-rates
All captured Sep 18, 2026
Special-purpose accounts
Christmas Club
0.05%APY
Dividends are earned on the average daily balance, posted and compounded quarterly. Rates are variable.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.05% | $5 |
Sources (1)
- htmcreditunion.com/rates/savings-rates · captured Sep 18, 2026
Vacation Club
0.05%APY
Dividends are earned on the average daily balance, posted and compounded quarterly. Rates are variable.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.05% | $5 |
Sources (1)
- htmcreditunion.com/rates/savings-rates · captured Sep 18, 2026
Who can join HTM Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of HTM Credit Union are eligible for membership.
- Employees or former employees of any healthcare facility in the Greater Haverhill area are eligible for membership.
- Persons working in any building owned or at least 50% leased by healthcare facilities are eligible for membership.
- Members of any public library in the Greater Haverhill area are eligible for membership.
Military, government and schools
- Employees or former employees of the Central Northern Essex Division of the Trial Court of the Commonwealth are eligible for membership.
- Employees or former employees of any city or town in the Greater Haverhill area, including the school department, are eligible for membership.
1 more way to join
Family and household
- Immediate family members of an HTM Credit Union member are eligible for membership.
Cost to join
- Membership requires opening a share savings account with a deposit of $25 or more.
Membership information collected October 5, 2026.