Credit union · NCUA insured
Local 41 IBEW FCU Savings Rates
Local 41 IBEW FCU’s best savings rate is 0.15% APY on $10,000, with its Share/Savings. Rates checked October 16, 2026.
How Local 41 IBEW FCU’s savings rates compare
Compared with banks and credit unions near Buffalo, NY, where Local 41 IBEW FCU has the most branches. $10,000, best rate first.
This credit union’s best
Local 41 IBEW FCU
0.15%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $15
Share/Savings
Top rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Local 41 IBEW FCU savings score
66
Savings score
Higher than 17% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- QualifiedQualified0.15%
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 Local 41 IBEW FCU 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.
Share/Savings
0.15%APY
Primary account representing share of ownership in Credit Union. Minimum balance of $5.00 to remain open and active. Par value of membership share is $25 ($5 for existing memberships transitioning to $25). Dividends paid quarterly based on average daily balance/quarterly balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Early withdrawal penalty is 30 days of accrued dividends. Dividends disbursed and compounded on the last day of the quarter.Up to $25,000 | 0.15% | $15 | Early withdrawal penalty is 30 days of accrued dividends. Dividends disbursed and compounded on the last day of the quarter. |
Special-purpose accounts
Holiday Club Accounts
0.15%APY
Available to Credit Union members. Penalty may apply for withdrawal before the maturity date.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Early withdrawal penalty is 30 days of accrued dividends. Dividends disbursed and compounded on the last day of the quarter.Up to $25,000 | 0.15% | $15 | Early withdrawal penalty is 30 days of accrued dividends. Dividends disbursed and compounded on the last day of the quarter. |
Sources (1)
- local41fcu.com/savings.html · captured Sep 17, 2026
Vacation Share Accounts
0.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Early withdrawal penalty is 30 days of accrued dividends. Dividends disbursed and compounded on the last day of the quarter.Up to $25,000 | 0.15% | $15 | Early withdrawal penalty is 30 days of accrued dividends. Dividends disbursed and compounded on the last day of the quarter. |
Sources (1)
- local41fcu.com/savings.html · captured Sep 17, 2026
Youth Share/Savings Accounts
0.15%APY
For persons under the age of 18 who are able to sign the account card. A parent or legal guardian may be required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Covered under Regular Shares & Club Accounts schedule. Early withdrawal penalty is 30 days of accrued dividends. Dividends disbursed and compounded on the last day of the quarter.Up to $25,000 | 0.15% | $15 | Covered under Regular Shares & Club Accounts schedule. Early withdrawal penalty is 30 days of accrued dividends. Dividends disbursed and compounded on the last day of the quarter. |
Sources (1)
- local41fcu.com/savings.html · captured Sep 17, 2026
Who can join Local 41 IBEW FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members and employees of Local 41 IBEW are eligible for membership.
Family and household
- Spouses, children, and immediate family members (including stepparents, stepchildren, stepsiblings, and adoptive relationships) of Local 41 IBEW members or employees are eligible to join regardless of where they live.
Cost to join
- A par value of $25 for a membership share must be fully paid and retained in a membership share savings account to become and maintain membership.
Membership information collected October 5, 2026.