Skip to content

Credit union · NCUA insured

Mohawk Valley Federal Credit Union Savings Rates

Mohawk Valley Federal Credit Union’s best savings rate is 1.01% APY on $10,000, with its Money Market. Rates checked October 16, 2026.

How Mohawk Valley Federal Credit Union’s savings rates compare

Compared with banks and credit unions near Utica, NY, where Mohawk Valley Federal Credit Union has the most branches. $10,000, best rate first.

  • This credit union’s best

    Mohawk Valley Federal Credit Union

    1.01%APY

    Requires
    None
    Minimum
    —
    Earns on $10,000 a year
    $100

    Money Market

  • Top rate

    Beacon Bank

    3.20%APY

    Requires
    Another account
    Minimum
    $250
    Earns on $10,000 a year
    $320

    Beacon Bank rates

  • Top Carrot, Carrot Score 90

    2nd-highest rate

    Bank of Utica

    2.30%APY

    Requires
    None
    Minimum
    $100
    Earns on $10,000 a year
    $230

    Bank of Utica rates

Compare savings rates near you →

Mohawk Valley Federal Credit Union savings score

85

Savings score

Higher than 69% of U.S. banks and credit unions

By balance
  • $1,000 balance$1,0000.15%
  • $10,000 balance$10,0001.01%
  • $100,000 balance$100,0001.21%
  • QualifiedQualified1.01%

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.

How the score works →

Where Mohawk Valley 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.

Who can join Mohawk Valley Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

  • Employees, retirees, and family members of Moody's Polaris or Inserra's Flooring are eligible to join.

Military, government and schools

  • Employees, retirees, and family members of SUNY POLY and SUNY Morrisville are eligible to join.
  • Employees, retirees, and family members of the Town of Marcy, Town of New Hartford, or Village of New Hartford are eligible to join.
  • Employees and retirees of the State of New York working in Fulton, Hamilton, Herkimer, Madison, Montgomery, Oneida, or Otsego Counties, NY, as well as their immediate family members and organizations of such persons, are eligible to join.

Family and household

  • Immediate family members (parent, spouse, child, sibling, grandparent, grandchild, aunt, uncle, cousin, or in-law) of an existing member are eligible to join.

Cost to join

  • An initial $5 Share Savings deposit is required to open an account.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← Mohawk Valley Federal Credit Union overview