Credit union · NCUA insured
Merck Sharp & Dohme Federal Credit Union Savings Rates
Merck Sharp & Dohme Federal Credit Union’s best savings rate is 0.15% APY on $10,000, with its Standard Savings. Rates checked October 16, 2026.
How Merck Sharp & Dohme Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Merck Sharp & Dohme Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Merck Sharp & Dohme Federal Credit Union
0.90%APY
- Requires
- Another account
- Minimum
- $1
- Earns on $10,000 a year
- $90
Money Market Accounts
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
Comenity Capital Bank
4.05%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $405
Merck Sharp & Dohme Federal Credit Union savings score
74
Savings score
Higher than 37% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.90%
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 Sharp & Dohme 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 Accounts
0.90%APY
Minimum $2,500 average daily balance to earn dividends. Open online with a $1 minimum deposit, then complete and submit the Account Change Form. No minimum balance fees. No penalties for withdrawal. Instant access via Online Banking. My Advantage members receive an additional 0.25% (resulting APYs not fully tabulated).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $19,999Standard (non-My Advantage) rate on stated average daily balance band. Minimum $2,500 to earn dividends. No minimum balance fees. | 0.90% | $90 | Standard (non-My Advantage) rate on stated average daily balance band. Minimum $2,500 to earn dividends. No minimum balance fees. |
| $20,000 – $79,999My Advantage relationship: additional 0.25% on Money Market Accounts. Official pages' Rate.net widget quotes High Rate Money Market 1.84% APY at $25,000; dividend rate for the boosted offer is not stated. Do not add 0.25 to the table APY. | 1.84% | — | My Advantage relationship: additional 0.25% on Money Market Accounts. Official pages' Rate.net widget quotes High Rate Money Market 1.84% APY at $25,000; dividend rate for the boosted offer is not stated. Do not add 0.25 to the table APY. |
| $20,000 – $79,999Standard (non-My Advantage) rate on stated average daily balance band. Rate.net comparison on official pages quotes 1.60% APY at $25,000 for Money Market. No minimum balance fees. | 1.60% | — | Standard (non-My Advantage) rate on stated average daily balance band. Rate.net comparison on official pages quotes 1.60% APY at $25,000 for Money Market. No minimum balance fees. |
| $80,000 and upStandard (non-My Advantage) rate on stated average daily balance band of $80,000 and above. Page also states Money Market Accounts up to 2.15% APY. No minimum balance fees. | 2.15% | — | Standard (non-My Advantage) rate on stated average daily balance band of $80,000 and above. Page also states Money Market Accounts up to 2.15% APY. No minimum balance fees. |
Sources (3)
All captured Oct 6, 2026
Standard Savings
0.15%APY
A Savings Account is required to become a member. Minimum opening deposit of $5. If you maintain $50 in the account, you will earn dividends compounded daily and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMust maintain $50 in the account to earn dividends compounded daily and credited monthly.$50 and up | 0.15% | $15 | Must maintain $50 in the account to earn dividends compounded daily and credited monthly. |
Special-purpose accounts
IRA Savings
0.30%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.30% | $30 |
Who can join Merck Sharp & Dohme Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.