Credit union · NCUA insured
Motion Federal Credit Union Savings Rates
Motion Federal Credit Union’s best savings rate is 1.21% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Motion Federal Credit Union’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where Motion Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Motion Federal Credit Union
1.21%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $121
Money Market 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
Motion Federal Credit Union savings score
85
Savings score
Higher than 70% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0001.21%
- $100,000 balance$100,0001.46%
- QualifiedQualified1.21%
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 Motion 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 Account
1.21%APY
The minimum balance to earn dividends is $2,500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,501 – $50,000Tier II ($2,501 – $50,000) | 1.21% | $121 | Tier II ($2,501 – $50,000) |
| $50,000 and upTier III ($50,000+) | 1.46% | — | Tier III ($50,000+) |
Sources (2)
All captured Oct 4, 2026
Regular Share (Savings)
0.01%APY
Minimum balance of $5.00 required to keep the account open. Grants member/owner status in Motion FCU.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Sources (3)
- motionfcu.org/discover-motion/rates
- motionfcu.org/manage-your-money/savings-accounts
- motionfcu.org/manage-your-money/savings-rates
All captured Oct 4, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
1.66%APY
Offers Traditional and Roth IRA options. Tax-deferred or tax-free growth subject to IRS rules and penalties for early withdrawal before age 59 1/2.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.66% | $166 |
Sources (2)
All captured Oct 4, 2026
CLUB MOTION (Holiday, Vacation, ME)
1.36%APY
Open account at a branch; Holiday Club earnings deposited into your savings account in early October.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.36% | $136 |
Sources (1)
- motionfcu.org/manage-your-money/club-motion · captured Oct 4, 2026
Who can join Motion Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of DuPont are eligible for membership.
- Employees of ExxonMobil are eligible for membership.
- Employees of Phillips66 are eligible for membership.
Cost to join
- A deposit of $5 is required to open an account.
Membership information collected October 5, 2026.