Bank · FDIC insured
National Cooperative Bank Savings Rates
National Cooperative Bank’s best savings rate is 2.53% APY on $10,000, with its Impact Money Market. Rates checked October 16, 2026.
How National Cooperative Bank’s savings rates compare
Compared with banks and credit unions in Ohio, where National Cooperative Bank has the most branches. $10,000, best rate first.
This bank’s best
National Cooperative Bank
2.53%APY
- Minimum
- $100
- Earns on $10,000 a year
- $253
Impact Money Market
Top rate
Century Federal Credit Union
5.00%APY
- Minimum
- $100
- Earns on $10,000 a year
- $500
2nd-highest rate
General Electric Credit Union
4.25%APY
- Minimum
- $0
- Earns on $10,000 a year
- $425
National Cooperative Bank savings score
89
Savings score
Higher than 87% of U.S. banks and credit unions
- $1,000 balance$1,0002.53%
- $10,000 balance$10,0002.53%
- $100,000 balance$100,0002.53%
- QualifiedQualified2.53%
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 National Cooperative Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Impact Money Market
2.53%APY
Can only be opened online (cannot be opened at an NCB branch). A $25 monthly maintenance fee applies if average monthly balance falls below $5,000. Must maintain a minimum balance of $0.01 each day to obtain APY.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999Minimum daily balance of $0.01 required to obtain disclosed APY. $25 monthly fee waived if average monthly balance is at least $5,000. | 2.53% | — | Minimum daily balance of $0.01 required to obtain disclosed APY. $25 monthly fee waived if average monthly balance is at least $5,000. |
| $10,000 – $49,999Minimum daily balance of $0.01 required to obtain disclosed APY. $25 monthly fee waived if average monthly balance is at least $5,000. | 2.53% | $253 | Minimum daily balance of $0.01 required to obtain disclosed APY. $25 monthly fee waived if average monthly balance is at least $5,000. |
| $50,000 and upMinimum daily balance of $0.01 required to obtain disclosed APY. $25 monthly fee waived if average monthly balance is at least $5,000. | 2.53% | — | Minimum daily balance of $0.01 required to obtain disclosed APY. $25 monthly fee waived if average monthly balance is at least $5,000. |
Sources (1)
- ncb.coop/truth-in-savings · captured Oct 6, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.