Credit union · NCUA insured
Money Federal Credit Union Savings Rates
Money Federal Credit Union’s best savings rate is 0.35% APY on $10,000, with its Money Market Savings. Rates checked October 16, 2026.
How Money Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Syracuse, NY, where Money Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Money Federal Credit Union
0.35%APY
- Minimum
- —
- Earns on $10,000 a year
- $35
Money Market Savings
Top rate
Canandaigua National Bank
3.15%APY
- Minimum
- $0
- Earns on $10,000 a year
- $315
2nd-highest rate
Ukrainian Federal Credit Union
2.02%APY
- Minimum
- —
- Earns on $10,000 a year
- $202
Money Federal Credit Union savings score
74
Savings score
Higher than 35% of U.S. banks and credit unions
- $1,000 balance$1,0000.06%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.35%
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 Money 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 Savings
0.35%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $9,999 | 0.30% | — |
| $10,000 – $24,999 | 0.35% | $35 |
| $25,000 – $49,999 | 0.40% | — |
| $50,000 – $99,999 | 0.45% | — |
| $100,000 and up | 0.50% | — |
Sources (1)
- moneyfcu.org/certificates · captured Oct 5, 2026
Regular Savings
0.06%APY
Considered the member's share in the credit union and required for membership. $5 minimum deposit to open and join.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividends in regular savings is $100.$100 and up | 0.06% | $6 | Minimum balance to earn dividends in regular savings is $100. |
Sources (3)
All captured Oct 16, 2026
U-Name-It Savings
0.06%APY
Secondary savings account to stash money for whatever you need.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum balance to earn dividends is $0.Any balance | 0.06% | $6 | Minimum balance to earn dividends is $0. |
Sources (3)
All captured Oct 16, 2026
Special-purpose accounts
Holiday Savings
0.06%APY
Secondary savings account to put aside funds for holidays; funds automatically transfer over to Regular Savings on October 1st.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum balance to earn dividends is $0.Any balance | 0.06% | $6 | Minimum balance to earn dividends is $0. |
Sources (3)
All captured Oct 16, 2026
Kids Savings Account
0.06%APY
For children ages 0 to 12. Opened jointly with a parent or guardian. Includes birthday deposit match. Child is primary member and parent/guardian is joint member. $5 required for membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly fees or minimum balances to maintain outside of the $5 required for membership. Minimum balance to earn dividends is $0.Any balance | 0.06% | $6 | No monthly fees or minimum balances to maintain outside of the $5 required for membership. Minimum balance to earn dividends is $0. |
Sources (4)
- moneyfcu.org/certificates
- moneyfcu.org/kids-savings-accounts
- moneyfcu.org/savings-account
- moneyfcu.org/rates
All captured Oct 16, 2026
Teen Savings
0.06%APY
For ages 13 to 19. Opened jointly with a parent or guardian. After 19 years of age, the account must be moved to an adult account. Option to add checking with a free debit card. $5 required for membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly fees or minimum balances to maintain outside of the $5 required for membership. Minimum balance to earn dividends is $0.Any balance | 0.06% | $6 | No monthly fees or minimum balances to maintain outside of the $5 required for membership. Minimum balance to earn dividends is $0. |
Sources (4)
- moneyfcu.org/certificates
- moneyfcu.org/kids-savings-accounts
- moneyfcu.org/savings-account
- moneyfcu.org/rates
All captured Oct 16, 2026
Vacation Savings
0.06%APY
Secondary savings account to help save for vacations.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum balance to earn dividends is $0.Any balance | 0.06% | $6 | Minimum balance to earn dividends is $0. |
Sources (3)
All captured Oct 16, 2026
Who can join Money 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
- To qualify for a business bank account, applicants must prove residency and business ownership in Onondaga, Oswego, Cayuga, or Madison county.
Cost to join
- The minimum deposit to open a business bank account is $5.
Membership information collected October 5, 2026.