Credit union · NCUA insured
Mountain Laurel Federal Credit Union Savings Rates
Top CarrotMountain Laurel Federal Credit Union’s best savings rate is 0.40% APY on $10,000, with its Laurel Honors Share (Savings). Rates checked October 16, 2026.
How Mountain Laurel Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Bradford, PA, where Mountain Laurel Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mountain Laurel Federal Credit Union
0.40%APY
- Minimum
- —
- Earns on $10,000 a year
- $40
Laurel Honors Share (Savings)
Top rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
PCFCU
1.00%APY
- Minimum
- $5
- Earns on $10,000 a year
- $100
Mountain Laurel Federal Credit Union savings score
76
Savings score
Higher than 42% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.40%
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 Mountain Laurel 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.
Laurel Honors Share (Savings)
0.40%APY
Laurel Honors Share (Savings) tiered account. Dividends calculated on the average daily balance and paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.35% | — |
| $2,500 – $15,000 | 0.40% | $40 |
| $15,000 – $50,000 | 0.45% | — |
| Over $50,000 | 0.50% | — |
Sources (1)
- mlfcu.net/rates/all-rates-2 · captured Oct 9, 2026
Share (Savings) Account
0.30%APY
Primary account required for membership. Open to anyone who lives, works, worships, or attends school in Elk, Cameron, McKean, Warren, Potter, and Forest County, PA. Dividends calculated on the average daily balance and paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Minimum balance $5.00 to earn dividends. | 0.25% | — | Minimum balance $5.00 to earn dividends. |
| $2,500 – $15,000 | 0.30% | $30 | |
| $15,000 – $50,000 | 0.35% | — | |
| Over $50,000 | 0.40% | — |
Sources (3)
All captured Oct 9, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
1.00%APY
Traditional and Roth IRA options available. Traditional or Roth IRA contribution limits are $7,500 for those under 50 ($8,600 if 50+) for 2026, and $7,000 for those under 50 ($8,000 if 50+) for 2025.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required.Any balance | 1.00% | $100 | No minimum balance required. |
Christmas Club
0.05%APY
Funds are automatically transferred to the primary Savings Account on the first of October. Contributions can be made through direct deposit or branch deposits at any time.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required.Any balance | 0.05% | $5 | No minimum balance required. |
Vacation Club
0.05%APY
Designed to set aside money throughout the year to fund vacations.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required.Any balance | 0.05% | $5 | No minimum balance required. |
Who can join Mountain Laurel 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, or attend school in Elk, Cameron, McKean, Warren, Potter, or Forest County in Pennsylvania are eligible for membership.
Family and household
- Immediate family members of all current members of Mountain Laurel FCU are eligible for membership.
Cost to join
- An initial deposit of $5.25 is required to establish membership.
Membership information collected October 5, 2026.