Credit union · NCUA insured
Hudson River Community Credit Union Savings Rates
Hudson River Community Credit Union’s best savings rate is 0.75% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Hudson River Community Credit Union’s savings rates compare
Compared with banks and credit unions near Albany, NY, where Hudson River Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Hudson River Community Credit Union
0.75%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $75
Money Market Account
Top rate
NextStep Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $20
- Earns on $10,000 a year
- $400
2nd-highest rate
Pioneer
3.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $350
Hudson River Community Credit Union savings score
83
Savings score
Higher than 62% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.75%
- QualifiedQualified0.75%
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 Hudson River Community 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.
Premier Savings Account
Up to 2.00%APY
High-yield savings option designed for higher balances. No annual fees. Exact opening thresholds subject to branch review.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25,000 – $50,000 | 1.25% | — |
| $50,000 – $100,000 | 1.50% | — |
| $100,000 – $250,000 | 1.75% | — |
| $250,000 and up | 2.00% | — |
Sources (2)
All captured Oct 16, 2026
Money Market Account
0.75%APY
Open to all members. Allows check-writing and transfers, subject to standard withdrawal limitations (up to 6 certain withdrawals/transfers per month). Interest calculated daily and compounded/credited quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $10,000Tier 1 rate based on average monthly balance of $1,000 to $9,999.99. No monthly maintenance fee. Interest compounded and credited quarterly. | 0.50% | — | Tier 1 rate based on average monthly balance of $1,000 to $9,999.99. No monthly maintenance fee. Interest compounded and credited quarterly. |
| $10,000 – $25,000Tier 2 rate based on average monthly balance of $10,000 to $24,999.99. No monthly maintenance fee. Interest compounded and credited quarterly. | 0.75% | $75 | Tier 2 rate based on average monthly balance of $10,000 to $24,999.99. No monthly maintenance fee. Interest compounded and credited quarterly. |
| $25,000 and upTier 3 rate based on average monthly balance of $25,000.00 and up. No monthly maintenance fee. Interest compounded and credited quarterly. | 1.00% | — | Tier 3 rate based on average monthly balance of $25,000.00 and up. No monthly maintenance fee. Interest compounded and credited quarterly. |
Sources (3)
- hrccu.org/high-yield-savings-accounts
- hrccu.org/high-yield-savings-accounts/money-market
- hrccu.org/wp-content/uploads/2…ate-and-Fee-Schedule.pdf
All captured Sep 17, 2026
Prime Savings Account
0.05%APY
Best for everyone 15 and older. Tiered interest rates reward higher balances with no monthly fees. Interest is credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 0.00% | — |
| $500 – $5,000 | 0.00% | — |
| $5,000 and up | 0.05% | $5 |
Sources (3)
- hrccu.org/banking/checking-savings
- hrccu.org/savings-accounts
- hrccu.org/savings-accounts/prime-savings-account
All captured Oct 16, 2026
Universal Savings Account
0.05%APY
Save for any purpose with the Universal Savings account. Best for everyone 15 and older. Rate and APY are variable.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 0.00% | — |
| $500 – $5,000 | 0.00% | — |
| $5,000 and up | 0.05% | $5 |
Special-purpose accounts
IRA Savings Account
1.25%APY
Available as Traditional IRA or Roth IRA. No monthly maintenance fees or annual fees. Minimum opening balance stated as $250.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.00% | — |
| $1,000 – $10,000 | 1.00% | — |
| $10,000 – $25,000 | 1.25% | $125 |
| $25,000 and up | 1.50% | — |
Sources (3)
- hrccu.org/banking/checking-savings
- hrccu.org/high-yield-savings-accounts/ira-savings
- hrccu.org/savings-accounts/ira-savings-account
All captured Oct 16, 2026
Holiday Club Account
0.05%APY
Holiday club runs October 1 to September 30 with no monthly maintenance fees and no minimum deposit requirement to open. Entire balance plus interest is automatically paid out the first Monday in October. Early withdrawals incur a $15 penalty.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.05% | $5 |
Sources (2)
All captured Oct 16, 2026
UTMA Savings Account
0.05%APY
Custodial account established under UTMA/UGMA for gifting money to minors under age 18. No monthly maintenance fees. Compounded quarterly dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.05% | $5 |
Sources (3)
- hrccu.org/banking/checking-savings
- hrccu.org/savings-accounts
- hrccu.org/savings-accounts/utma-savings-account
All captured Oct 16, 2026
Youth Savings Account
0.05%APY
Designed for children ages 14 and under with parental or guardian oversight. No monthly fees. Minimum balance to earn interest is $1.00 or $5.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upOpening deposit requirement stated as $1 or $5 minimum deposit.$1 and up | 0.05% | $5 | Opening deposit requirement stated as $1 or $5 minimum deposit. |
Who can join Hudson River Community Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.