Credit union · NCUA insured
Niagara Regional FCU Savings Rates
Top CarrotNiagara Regional FCU’s best savings rate is 5.00% APY on $10,000, with its Swipe & Save. Rates checked October 16, 2026.
How Niagara Regional FCU’s savings rates compare
Compared with banks and credit unions near Buffalo, NY, where Niagara Regional FCU has the most branches. $10,000, best rate first.
This credit union’s best
Niagara Regional FCU
0.05%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $5
Share Savings
Top rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Niagara Regional FCU savings score
61
Savings score
Higher than 3% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
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 Niagara Regional FCU 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.
Swipe & Save
5.00%APY
Automatic savings account that helps save money.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 5.00% | $500 |
Sources (1)
- niagararegionalfcu.org/savings-accounts · captured Sep 17, 2026
Share Savings
0.05%APY
Establishes membership and ownership in the credit union. Dividends are earned based on the average daily balance method on balances of $100.00 or more, and paid quarterly. APY is subject to change monthly without notice. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $5,000Dividends earned on average daily balance and paid quarterly. $100.00 minimum balance required to earn a dividend. Fees may reduce earnings. APY subject to change monthly. | 0.05% | — | Dividends earned on average daily balance and paid quarterly. $100.00 minimum balance required to earn a dividend. Fees may reduce earnings. APY subject to change monthly. |
| $5,001 – $10,000Dividends earned on average daily balance and paid quarterly. Fees may reduce earnings. APY subject to change monthly. | 0.05% | $5 | Dividends earned on average daily balance and paid quarterly. Fees may reduce earnings. APY subject to change monthly. |
| $10,001 and upDividends earned on average daily balance and paid quarterly. Fees may reduce earnings. APY subject to change monthly. | 0.05% | — | Dividends earned on average daily balance and paid quarterly. Fees may reduce earnings. APY subject to change monthly. |
Sources (2)
All captured Sep 17, 2026
Who can join Niagara Regional FCU
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