Credit union · NCUA insured
Merck Employees Federal Credit Union Savings Rates
Merck Employees Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its Savings (Regular Share Acct) / Primary Share Account. Rates checked October 22, 2026.
How Merck Employees Federal Credit Union’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where Merck Employees Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Merck Employees Federal Credit Union
1.00%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $100
Savings (Regular Share Acct) / Primary Share 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
Merck Employees Federal Credit Union savings score
85
Savings score
Higher than 69% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.00%
- QualifiedQualified1.00%
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 Merck Employees 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.
Savings (Regular Share Acct) / Primary Share Account
1.00%APY
Dividends compounded and credited quarterly. Calculated using Daily Balance method. No limitations on the dollar amount of withdrawals or deposits. Rates are subject to change on a quarterly basis. Rate valid as of January 1, 2026. Minimum balance to avoid service fee is $0.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to earn stated APY/dividends is $50.00. Dividends compounded and credited quarterly. Calculated using daily balance method.$50 and up | 1.00% | $100 | Minimum balance to earn stated APY/dividends is $50.00. Dividends compounded and credited quarterly. Calculated using daily balance method. |
Sources (3)
All captured Sep 19, 2026
Secondary Share Account
1.00%APY
Dividends compounded and credited quarterly. Calculated using Daily Balance method. No limitations on the dollar amount of withdrawals or deposits. Minimum balance to avoid service fee is $0.00. Rate follows Regular Share Account schedule.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to earn stated APY is $50.00. Dividends compounded and credited quarterly. Calculated using daily balance method.$50 and up | 1.00% | $100 | Minimum balance to earn stated APY is $50.00. Dividends compounded and credited quarterly. Calculated using daily balance method. |
Special-purpose accounts
IRA Savings Account
1.25%APY
Includes Traditional IRAs, Roth IRAs, and Coverdell Education Savings Accounts. Pays dividend from the day of deposit to the day of withdrawal. Dividends compounded and credited quarterly. Calculated using daily balance method. Rates subject to change quarterly. Rate valid as of January 1, 2026. Minimum balance to avoid service fee is $0.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upMinimum balance to earn stated APY/dividends is $200.00. Dividends compounded and credited quarterly. Calculated using daily balance method.$200 and up | 1.25% | $125 | Minimum balance to earn stated APY/dividends is $200.00. Dividends compounded and credited quarterly. Calculated using daily balance method. |
Sources (3)
All captured Sep 19, 2026
Who can join Merck Employees Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.