Credit union · NCUA insured
Mercy Federal Credit Union Savings Rates
Mercy Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Share Savings. Rates checked October 22, 2026.
How Mercy Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Savannah, GA, where Mercy Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mercy Federal Credit Union
0.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $50
Share Savings
Top rate
Center Parc Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Mercy Federal Credit Union savings score
79
Savings score
Higher than 48% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.50%
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 Mercy 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.
Share Savings
0.50%APY
Earn competitive dividends based on average daily balance; 4 withdrawals allowed per quarter ($8 penalty per withdrawal over limit); automatically opened upon becoming a member.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Special-purpose accounts
Christmas Club Accounts
0.50%APY
Special savings for Christmas needs. Can open at any time but may withdraw money only from November 1st through December 31st each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable for withdrawal 11/1 through 12/31Any balance | 0.50% | $50 | Available for withdrawal 11/1 through 12/31 |
Vacation Club Accounts
0.25%APY
May withdraw at any time; no withdrawal restrictions.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Who can join Mercy Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Anyone who works for St Joseph’s/Candler Hospital system is eligible to open a Mercy Federal Credit Union account.
Family and household
- Family members are eligible for accounts.
Membership information collected October 4, 2026.