Credit union · NCUA insured
New Century Federal Credit Union Savings Rates
Top CarrotNew Century Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How New Century Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Chicago, IL-IN, where New Century Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
New Century Federal Credit Union
1.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $100
Money Market Account
Top rate
Justice Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $400
2nd-highest rate
United Trust Bank
3.90%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $390
New Century Federal Credit Union savings score
83
Savings score
Higher than 64% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.50%
- QualifiedQualified1.00%
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 New Century 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
1.00%APY
APY paid on average daily balance; must maintain the account's minimum average daily balance to obtain the disclosed APY. Yields paid monthly. Rates subject to change.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $10,000Deposit $2,000 to $9,999.99. APY on average daily balance; maintain the account minimum average daily balance to obtain disclosed APY. Yields paid monthly. | 0.75% | — | Deposit $2,000 to $9,999.99. APY on average daily balance; maintain the account minimum average daily balance to obtain disclosed APY. Yields paid monthly. |
| $10,000 – $75,000Deposit $10,000 to $74.999.99 as stated. APY on average daily balance; maintain the account minimum average daily balance to obtain disclosed APY. Yields paid monthly. | 1.00% | $100 | Deposit $10,000 to $74.999.99 as stated. APY on average daily balance; maintain the account minimum average daily balance to obtain disclosed APY. Yields paid monthly. |
| $75,000 and upDeposit $75,000 and above. APY on average daily balance; maintain the account minimum average daily balance to obtain disclosed APY. Yields paid monthly. | 1.50% | — | Deposit $75,000 and above. APY on average daily balance; maintain the account minimum average daily balance to obtain disclosed APY. Yields paid monthly. |
Sources (1)
- newcenturyfcu.org/bank/deposit-rates · captured Oct 6, 2026
Share Savings (Regular Shares)
0.05%APY
Establishes membership as the prime share. Dividends based on average daily balance, compounded and paid quarterly. Must maintain the account minimum average daily balance to obtain the disclosed APY. Yields declared quarterly by the Board of Directors.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upAPY for $25 and above; paid on average daily balance. Rates subject to change.$25 and up | 0.05% | $5 | APY for $25 and above; paid on average daily balance. Rates subject to change. |
Sources (2)
All captured Oct 6, 2026
Special Savings
0.05%APY
Secondary savings for vacation, taxes, home improvements, weddings and more. Secondary accounts do not require a minimum balance to be kept. Earns the same dividend rate as regular shares, paid quarterly. Rate schedule still states APY at $25 and above.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upAPY for $25 and above on the deposit-rate table; paid on average daily balance.$25 and up | 0.05% | $5 | APY for $25 and above on the deposit-rate table; paid on average daily balance. |
Sources (2)
All captured Oct 6, 2026
Tax Holding
0.05%APY
Listed on the official share-savings APY schedule. Must maintain the minimum average daily balance to obtain the disclosed APY. Yields declared quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upAPY for $25 and above; paid on average daily balance.$25 and up | 0.05% | $5 | APY for $25 and above; paid on average daily balance. |
Sources (1)
- newcenturyfcu.org/bank/deposit-rates · captured Oct 6, 2026
Special-purpose accounts
Christmas Club
0.05%APY
No minimum balance required to keep the account. Funds transfer to Regular Shares on October 1st. Same APY schedule as other share savings-type accounts. Must maintain the disclosed minimum average daily balance to obtain APY. Yields declared quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upAPY for $25 and above; paid on average daily balance. No monthly service fees.$25 and up | 0.05% | $5 | APY for $25 and above; paid on average daily balance. No monthly service fees. |
Sources (2)
All captured Oct 6, 2026
IRA Shares
0.05%APY
Official schedule applies to IRA Shares and Roth IRA Shares as tax wrappers of one IRA share product. Contribute when you want. Accounts federally insured up to $250,000. Must maintain the minimum average daily balance to obtain APY. Yields declared quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upAPY for $25 and above; paid on average daily balance. No annual fee.$25 and up | 0.05% | $5 | APY for $25 and above; paid on average daily balance. No annual fee. |
Sources (2)
All captured Oct 6, 2026
Vacation
0.05%APY
Listed on the official share-savings APY schedule with Christmas Club, Special, Tax Holding, and IRA shares. Must maintain the minimum average daily balance to obtain the disclosed APY. Yields declared quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upAPY for $25 and above; paid on average daily balance.$25 and up | 0.05% | $5 | APY for $25 and above; paid on average daily balance. |
Sources (1)
- newcenturyfcu.org/bank/deposit-rates · captured Oct 6, 2026
Who can join New Century 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
- Membership is open to anyone living or working on the east side of Joliet or specific areas of Crest Hill, Lockport, or Rockdale.
Employers and groups
- Membership is open to individuals who work for one of New Century's partner payroll groups.
Family and household
- Membership is open to immediate family members of a New Century FCU member.
Membership information collected October 5, 2026.