Credit union · NCUA insured
NCPD Federal Credit Union Savings Rates
NCPD Federal Credit Union’s best savings rate is 1.61% APY on $10,000, with its Share Savings. Rates checked October 16, 2026.
How NCPD Federal Credit Union’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where NCPD Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
NCPD Federal Credit Union
1.61%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $161
Share Savings
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
NCPD Federal Credit Union savings score
88
Savings score
Higher than 85% of U.S. banks and credit unions
- $1,000 balance$1,0001.61%
- $10,000 balance$10,0001.61%
- $100,000 balance$100,0001.61%
- QualifiedQualified1.61%
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 NCPD 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.
Share Savings
1.61%APY
Dividends compounded quarterly. Federally insured by NCUA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded quarterly; no fees.$5 and up | 1.61% | $161 | Dividends compounded quarterly; no fees. |
Special-purpose accounts
Milestone Account
1.61%APY
Available for members ages 17–21. Includes a Milestone Visa Debit Card. Limited to one Youth/Teen/Milestone Savings Account per minor. Converts to a regular Share Savings Account at age 22.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tier applies to the first $1,000 on deposit. | 5.09% | — | Tier applies to the first $1,000 on deposit. |
| $1,000 and upAmounts over $1,000 receive the current savings dividend rate. | 1.61% | $161 | Amounts over $1,000 receive the current savings dividend rate. |
Teen Account
1.61%APY
Available for members ages 12–16. Requires joint ownership with a parent or guardian. Includes a Teen Visa Debit Card. Limited to one Youth/Teen/Milestone Savings Account per minor. Converts to a regular Share Savings Account at age 22.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tier applies to the first $1,000 on deposit. | 5.09% | — | Tier applies to the first $1,000 on deposit. |
| $1,000 and upAmounts over $1,000 receive the current savings dividend rate. | 1.61% | $161 | Amounts over $1,000 receive the current savings dividend rate. |
Youth Savings
1.61%APY
Available for members ages 0–11. Requires joint ownership with a parent or guardian. Limited to one Youth/Teen/Milestone Savings Account per minor. Converts to a regular Share Savings Account at age 22. NCPD FCU deposits the first $50 (use promo code YOUTH50 online).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tier applies to the first $1,000 on deposit. | 5.09% | — | Tier applies to the first $1,000 on deposit. |
| $1,000 and upAmounts over $1,000 receive the current savings dividend rate. | 1.61% | $161 | Amounts over $1,000 receive the current savings dividend rate. |
Roth IRA
2.11%APY
After-tax contributions with tax-deferred growth and tax-free withdrawals in retirement. Dividends compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded quarterly.$5 and up | 2.11% | $211 | Dividends compounded quarterly. |
Traditional IRA
2.11%APY
Tax-deductible contributions and tax-deferred growth. Dividends compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded quarterly.$5 and up | 2.11% | $211 | Dividends compounded quarterly. |
Holiday Club
1.61%APY
Funds are automatically transferred to Share Savings Account in October.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded quarterly; no fees.$5 and up | 1.61% | $161 | Dividends compounded quarterly; no fees. |
Who can join NCPD Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of federal, state, county, Metropolitan Transportation Authority (MTA) police, and municipal police protection agencies or departments who work in Nassau County, New York, are eligible for membership.
Family and household
- Immediate family members of eligible police protection agency/department employees are eligible for membership.
Membership information collected October 5, 2026.