Credit union · NCUA insured
New Cumberland Federal Credit Union Savings Rates
New Cumberland Federal Credit Union’s best savings rate is 0.40% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How New Cumberland Federal Credit Union’s savings rates compare
Compared with banks and credit unions near York, PA, where New Cumberland Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
New Cumberland Federal Credit Union
0.40%APY
- Minimum
- $0
- Earns on $10,000 a year
- $40
Money Market
Top rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Univest
3.75%APY
- Minimum
- —
- Earns on $10,000 a year
- $375
New Cumberland Federal Credit Union savings score
75
Savings score
Higher than 38% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.80%
- 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 New Cumberland 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.
Kasasa Saver®
1.80%APY on $10,000
0.05% APY if qualifications are not met.
| Part of the balance | Rate on that part |
|---|---|
| Up to $100,000 | 1.74% |
| Any balance | 0.05% |
On $10,000 the tiers blend to about 1.80% APY, earning $180 a year.
Sources (1)
- ncfcuonline.org/rates · captured Oct 6, 2026
Money Market
0.40%APY
No minimum deposit amount. Tiered dividends so you earn as you grow. No early withdrawal penalty and immediate availability of funds on deposit. Account holders can establish their Money Market as overdraft protection for checking accounts.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.03% | — |
| $2,500 – $25,000 | 0.40% | $40 |
| $25,000 – $50,000 | 0.60% | — |
| Over $50,000 | 0.80% | — |
Sources (2)
All captured Oct 16, 2026
Regular Savings
0.03%APY
Dividends are calculated by the average daily balance method and are compounded and paid monthly on balances of $50 and up.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.03% | $3 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Education I.R.A. Savings Account
0.05%APY
Custodial or trust accounts for qualified education expenses. Contribution rules: minimum deposit of $500 and maximum of $2000 for one child per year until a child reaches the age of 18.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Traditional and Roth IRA Savings Account
0.05%APY
No minimum balance. Traditional and Roth IRA savings accounts with tax-advantaged retirement savings options.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Christmas/ Vacation Club
0.03%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 0.03% | $3 |
Sources (2)
All captured Oct 6, 2026
Who can join New Cumberland 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
- Individuals who live, work, study, worship, or volunteer in Adams, Cumberland, Dauphin, Lebanon, Perry, or York counties are eligible for membership.
Family and household
- Individuals who have a family member living in Adams, Cumberland, Dauphin, Lebanon, Perry, or York counties are eligible for membership.
Cost to join
- Opening a Regular Savings Account with at least $5.00 is required to join NCFCU.
Membership information collected October 5, 2026.