Credit union · NCUA insured
Midstate Federal Credit Union Savings Rates
Midstate Federal Credit Union’s best savings rate is 0.05% APY on $10,000, with its Share Savings Account. Rates checked October 22, 2026.
How Midstate Federal Credit Union’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where Midstate Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Midstate Federal Credit Union
0.05%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $5
Share 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
Midstate Federal Credit Union savings score
61
Savings score
Higher than 3% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
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 Midstate 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 Account
0.05%APY
Lifetime membership. Dividends paid monthly. Minimum account balance of $100.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid monthly. Minimum account balance $100.00.$100 and up | 0.05% | $5 | Dividends paid monthly. Minimum account balance $100.00. |
Sources (2)
- midstatefcu.org/products-services/savings-loan-rates
- midstatefcu.org/products-services/savings-products
All captured Sep 19, 2026
Special-purpose accounts
Holiday & Vacation Club Accounts
0.05%APY
No minimum balance to open account. Dividends paid monthly. Payroll deductions available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid monthly. No minimum balance to open.Any balance | 0.05% | $5 | Dividends paid monthly. No minimum balance to open. |
Sources (2)
- midstatefcu.org/products-services/savings-loan-rates
- midstatefcu.org/products-services/savings-products
All captured Sep 19, 2026
IRA Share Savings Accounts
0.05%APY
Available as Traditional IRA, ROTH IRA, or Coverdell Education Savings Account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
- midstatefcu.org/products-services/savings-loan-rates
- midstatefcu.org/products-services/savings-products
All captured Sep 19, 2026
Who can join Midstate Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, attend school, own businesses, or own other legal entities in the Borough of Carteret, New Jersey, and Union County are eligible to join.
Employers and groups
- Businesses located in the Borough of Carteret, New Jersey, and Union County may join and have their employees become members.
Membership information collected October 5, 2026.