NESC Federal Credit Union Savings & Money Market Rates

How NESC Federal Credit Union’s savings rates compare

Compared with banks and credit unions near Boston, MA-NH, where NESC Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
NESC Federal Credit Union
0.25%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$25
Money Market
Top rate
Leader Bank
5.00%APY
Requires
Monthly account activity
Minimum
$10
Earns on $10,000 a year
$500
Leader Bank rates
2nd-highest rate
Albright Credit Union
5.00%APY
Requires
Monthly account activity
Minimum
—
Earns on $10,000 a year
$500
Albright Credit Union rates

Compare savings rates near you →

Savings score

Higher than 29% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.25%
$10,000 balance$10,0000.25%
$100,000 balance$100,0000.25%
QualifiedQualified0.25%

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.

How the score works →

Where NESC 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

0.25%APY

Available exclusively to NESC Credit Union members. Rate may change after account opening. Funds earn dividends from the first business day of deposit, compounded daily and posted monthly. Accrued dividends are forfeited if account is closed prior to monthly posting.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceMinimum deposit/balance is listed as N/A. Assumes funds including dividends remain on deposit for 365 days.Any balance	0.25%	$25	Minimum deposit/balance is listed as N/A. Assumes funds including dividends remain on deposit for 365 days.

Sources (1)

nescfcu.org/discover/rates · captured Sep 18, 2026

Share Savings

0.10%APY$25 to open

Available to NESC Credit Union members. Compounded daily and posted monthly. Maintain minimum average daily balance of $25 to earn disclosed APY. Accrued dividends are forfeited if account is closed prior to monthly dividend posting.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$25 and upMaintain a minimum average daily balance of $25 to earn disclosed APY. Dividends compounded daily and posted monthly.$25 and up	0.10%	$10	Maintain a minimum average daily balance of $25 to earn disclosed APY. Dividends compounded daily and posted monthly.

Sources (2)

All captured Sep 18, 2026

Special-purpose accounts

Christmas Club Savings

0.10%APYClub

Available to NESC Credit Union members. Funds automatically transfer to your savings account on November 1 each year. Early withdrawal fee applies. Can also be opened as a Club Account for other savings goals.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,000Dividend rate of 5.00% paid on balances up to $1,000. Funds automatically transfer to savings account on November 1 each year. $0 opening deposit required ($25 minimum deposit listed on rate table).	5.12%	—	Dividend rate of 5.00% paid on balances up to $1,000. Funds automatically transfer to savings account on November 1 each year. $0 opening deposit required ($25 minimum deposit listed on rate table).
Over $1,000Dividend rate of 0.10% paid on the portion of balance in excess of $1,000. For example, a balance between $1,000-$2,000 earns between 5.12%-2.55% APY. Funds transfer to savings on November 1 each year.	0.10%	$10	Dividend rate of 0.10% paid on the portion of balance in excess of $1,000. For example, a balance between $1,000-$2,000 earns between 5.12%-2.55% APY. Funds transfer to savings on November 1 each year.

Sources (4)

All captured Sep 18, 2026

Who can join NESC 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

You are eligible to join if you live, work, worship, or attend school in Essex or Middlesex County, MA, or Rockingham or Hillsborough County, NH.

Family and household

You are eligible to join if you are an immediate family member of a current member.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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