Credit union · NCUA insured
Millbury Federal Credit Union Savings Rates
Millbury Federal Credit Union’s best savings rate is 0.05% APY on $10,000, with its Money Market Checking. Rates checked October 15, 2026.
How Millbury Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Worcester, MA, where Millbury Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Millbury Federal Credit Union
0.05%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $5
Statement Savings
Top rate
Clinton Savings Bank
3.85%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $385
2nd-highest rate
Country Bank for Savings
3.60%APY
- Requires
- Another account
- Minimum
- $10
- Earns on $10,000 a year
- $360
Millbury Federal Credit Union savings score
62
Savings score
Higher than 6% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.10%
- 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 Millbury 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 Checking
0.05%APY
Rates subject to change after account is opened. Minimum balance for membership $5.00. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Rates subject to change after account is opened. Minimum balance for membership $5.00. Fees could reduce earnings. | 0.05% | — | Rates subject to change after account is opened. Minimum balance for membership $5.00. Fees could reduce earnings. |
| $10,000 – $25,000Rates subject to change after account is opened. Minimum balance for membership $5.00. Fees could reduce earnings. | 0.05% | $5 | Rates subject to change after account is opened. Minimum balance for membership $5.00. Fees could reduce earnings. |
| $25,000 – $50,000Rates subject to change after account is opened. Minimum balance for membership $5.00. Fees could reduce earnings. | 0.05% | — | Rates subject to change after account is opened. Minimum balance for membership $5.00. Fees could reduce earnings. |
| $50,000 and upRates subject to change after account is opened. Minimum balance for membership $5.00. Fees could reduce earnings. | 0.10% | — | Rates subject to change after account is opened. Minimum balance for membership $5.00. Fees could reduce earnings. |
Sources (1)
- millburycu.com/rates/deposit-rates · captured Sep 18, 2026
Personal Money Market Statement
0.05%APY
Rates subject to change after account is opened. Minimum balance for membership $5.00. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Rates subject to change after account is opened. Minimum balance for membership $5.00. Fees could reduce earnings. | 0.05% | $5 | Rates subject to change after account is opened. Minimum balance for membership $5.00. Fees could reduce earnings. |
| $50,000 – $100,000Rates subject to change after account is opened. Minimum balance for membership $5.00. Fees could reduce earnings. | 0.05% | — | Rates subject to change after account is opened. Minimum balance for membership $5.00. Fees could reduce earnings. |
| $100,000 – $250,000Rates subject to change after account is opened. Minimum balance for membership $5.00. Fees could reduce earnings. | 0.10% | — | Rates subject to change after account is opened. Minimum balance for membership $5.00. Fees could reduce earnings. |
| $250,000 and upRates subject to change after account is opened. Minimum balance for membership $5.00. Fees could reduce earnings. | 0.10% | — | Rates subject to change after account is opened. Minimum balance for membership $5.00. Fees could reduce earnings. |
Sources (1)
- millburycu.com/rates/deposit-rates · captured Sep 18, 2026
Statement Savings
0.05%APY
Paper statement fee of $3.00 per month (fee waived with eStatements). Minimum balance for membership is $5.00. Rates subject to change after account is opened. Fees could reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$3.00 fee for paper statements (waived with eStatements). Minimum balance to earn stated APY is $25.00. Minimum balance for membership is $5.00.$25 and up | 0.05% | $5 | $3.00 fee for paper statements (waived with eStatements). Minimum balance to earn stated APY is $25.00. Minimum balance for membership is $5.00. |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Youth Banking Cub Account
2.75%APY
Available to students at participating schools: Elmwood Street Elementary School, Raymond E. Shaw Elementary School, Heard Street Discovery Academy, Gates Lane School, and Millbury Street Elementary School. No monthly fees. Rate subject to change without notice.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upAmount required to open this account and earn the stated APY is $5.00. Rate subject to change without notice.$5 and up | 2.75% | $275 | Amount required to open this account and earn the stated APY is $5.00. Rate subject to change without notice. |
Sources (2)
All captured Oct 15, 2026
Retirement Savings
0.50%APY
Available for Traditional IRAs, Roth IRAs, and Coverdell Education Savings Accounts. Grow your balance over time by making contributions in any amount and frequency you choose. Fees could reduce earnings. Penalty for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$25.00 minimum deposit to open Retirement Savings Account. Fees could reduce earnings. Penalty for early withdrawal.Any balance | 0.50% | $50 | $25.00 minimum deposit to open Retirement Savings Account. Fees could reduce earnings. Penalty for early withdrawal. |
Sources (2)
All captured Oct 15, 2026
Christmas Club
0.05%APY
Accumulate funds for an annual event; funds are transferred annually to an account of your choosing while the account remains open for future deposits. Rates subject to change after account is opened. Fees could reduce earnings. Minimum balance for membership $5.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to earn stated APY is $25.00. Minimum balance for membership is $5.00.$25 and up | 0.05% | $5 | Minimum balance to earn stated APY is $25.00. Minimum balance for membership is $5.00. |
Sources (2)
All captured Oct 15, 2026
Student Savings
0.05%APY
Paper statement fee of $3.00 per month (fee waived with eStatements). No MCU fees at all non-MCU ATMs; reimbursement of 4 fees each month charged at foreign ATMs. Minimum balance for membership is $5.00. Rates subject to change after account is opened. Fees could reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$3.00 fee for paper statements (waived with eStatements). Minimum balance to earn stated APY is $25.00. Minimum balance for membership is $5.00.$25 and up | 0.05% | $5 | $3.00 fee for paper statements (waived with eStatements). Minimum balance to earn stated APY is $25.00. Minimum balance for membership is $5.00. |
Sources (2)
All captured Oct 15, 2026
Vacation Club
0.05%APY
Accumulate funds for an annual event; funds are transferred annually to an account of your choosing while the account remains open for future deposits. Rates subject to change after account is opened. Fees could reduce earnings. Minimum balance for membership $5.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to earn stated APY is $25.00. Minimum balance for membership is $5.00.$25 and up | 0.05% | $5 | Minimum balance to earn stated APY is $25.00. Minimum balance for membership is $5.00. |
Sources (2)
All captured Oct 15, 2026
Who can join Millbury 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
- Individuals who live or work in Worcester County are eligible to join Millbury Credit Union.
Family and household
- Immediate family members of individuals who live or work in Worcester County are eligible to join Millbury Credit Union.
Cost to join
- Membership requires opening an account with an initial deposit of $5 or more.
Membership information collected October 5, 2026.