Credit union · NCUA insured
Inner Lakes Federal Credit Union Savings Rates
Top CarrotInner Lakes Federal Credit Union’s best savings rate is 1.51% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Inner Lakes Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Jamestown, NY, where Inner Lakes Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Inner Lakes Federal Credit Union
1.51%APY
- Minimum
- —
- Earns on $10,000 a year
- $151
Money Market
Top rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Greater Chautauqua Federal Credit Union
3.39%APY
- Minimum
- $25
- Earns on $10,000 a year
- $339
Inner Lakes Federal Credit Union savings score
88
Savings score
Higher than 82% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0001.51%
- $100,000 balance$100,0002.12%
- QualifiedQualified1.51%
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 Inner Lakes 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.
Money Market
1.51%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $5,000 | 1.26% | — |
| $5,000 – $25,000 | 1.51% | $151 |
| $25,000 – $50,000 | 1.92% | — |
| $50,000 and up | 2.12% | — |
Savings
0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,500 | 0.20% | — |
| $1,500 – $15,000 | 0.20% | $20 |
| $15,000 – $35,000 | 0.25% | — |
| $35,000 and up | 0.30% | — |
Sources (3)
All captured Sep 17, 2026
Special-purpose accounts
IRA's
1.56%APY
Includes Traditional, Roth, and Educational IRAs.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 1.46% | — |
| $5,000 – $25,000 | 1.56% | $156 |
| $25,000 – $50,000 | 1.76% | — |
| $50,000 and up | 2.02% | — |
Sources (2)
All captured Sep 17, 2026
Christmas Club
0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (1)
- innerlakesfcu.org/current-deposit-rates · captured Sep 17, 2026
Who can join Inner Lakes Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.