Credit union · NCUA insured
Local 804 Federal Credit Union Savings Rates
Local 804 Federal Credit Union’s best savings rate is 2.52% APY on $10,000, with its High Yield Savings Account. Rates checked October 16, 2026.
How Local 804 Federal Credit Union’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where Local 804 Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Local 804 Federal Credit Union
2.52%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $252
High Yield Savings Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Local 804 Federal Credit Union savings score
69
Savings score
Higher than 23% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.20%
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 804 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.
High Yield Savings Account
2.52%APY
Two penalty-free withdrawals in a calendar year; additional withdrawals incur a $15.00 fee. Local 804 Retirees have unlimited penalty-free withdrawals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $250,000Requires $2,000 minimum balance ($250,000 maximum). Allows deposits at any time and two penalty-free withdrawals per calendar year ($15.00 penalty per withdrawal thereafter).$2,000 – $250,000 | 2.52% | $252 | Requires $2,000 minimum balance ($250,000 maximum). Allows deposits at any time and two penalty-free withdrawals per calendar year ($15.00 penalty per withdrawal thereafter). |
Sources (3)
All captured Sep 17, 2026
Regular Shares
0.20%APY
Initial deposit of $5.00 required to open account and establish membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMonthly statement fee is $2.00, waived if enrolled in e-statements.$5 and up | 0.20% | $20 | Monthly statement fee is $2.00, waived if enrolled in e-statements. |
Special-purpose accounts
Retiree High Yield Savings Account
2.52%APY
Must be a Local 804 FCU Retiree to qualify. Unlimited access to withdraw funds penalty-free.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $250,000Must be a Local 804 FCU Retiree. Requires $2,000 minimum balance ($250,000 maximum). Unlimited access with zero withdrawal restrictions.$2,000 – $250,000 | 2.52% | $252 | Must be a Local 804 FCU Retiree. Requires $2,000 minimum balance ($250,000 maximum). Unlimited access with zero withdrawal restrictions. |
Christmas Club
0.20%APY
Also referred to as Holiday Club Account. Funds are transferred to regular savings close to the holidays.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarly withdrawal fee is $15.00 per transaction/withdrawal.Any balance | 0.20% | $20 | Early withdrawal fee is $15.00 per transaction/withdrawal. |
Vacation Club
0.20%APY
Funds are transferred from the Club Account to regular savings close to vacation.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Who can join Local 804 Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to members and employees of Local 447 IAMAW.
- Membership is open to members and employees of Local 804 IBT.
- Membership is open to members and employees of Local 808 IBT.
Family and household
- Membership is open to family members of Local 804 FCU members / eligible union members and employees.
Cost to join
- A minimum deposit of $5.00 is required to open an account.
Membership information collected October 5, 2026.