Credit union · NCUA insured
North East Welch Federal Credit Union Savings Rates
North East Welch Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Regular Shares. Rates checked October 16, 2026.
How North East Welch Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Erie, PA, where North East Welch Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
North East Welch Federal Credit Union
0.50%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $50
Regular Shares
Top rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
North East Welch Federal Credit Union savings score
79
Savings score
Higher than 48% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.50%
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 North East Welch 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.
Regular Shares
0.50%APY
Dividends are calculated on average daily balance and paid/compounded quarterly. Variable rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upCompounded quarterly; dividends calculated based on average daily balance.$5 and up | 0.50% | $50 | Compounded quarterly; dividends calculated based on average daily balance. |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA's
3.80%APY
Includes Traditional and Roth IRA accounts. No required minimum deposit. Dividends calculated on average daily balance and paid/compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded quarterly. Applicable to Traditional and Roth IRA savings.Any balance | 3.80% | $380 | Compounded quarterly. Applicable to Traditional and Roth IRA savings. |
Christmas Clubs
0.50%APY
No minimum deposit required. Dividends are calculated on average daily balance and paid quarterly. Funds are disbursed after the 3rd Thursday in October.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded quarterly; funds disbursed after the 3rd Thursday in October.Any balance | 0.50% | $50 | Compounded quarterly; funds disbursed after the 3rd Thursday in October. |
Sources (2)
All captured Sep 17, 2026
Who can join North East Welch 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 who lives, works, worships, or attends school in designated towns and villages of Chautauqua County, New York.
- Membership is open to anyone who lives, works, worships, or attends school in designated boroughs and townships of Erie County, Pennsylvania.
Family and household
- Any person living in the same residence with a member who maintains a single economic unit is eligible for membership.
- Immediate family members of an existing member are eligible for membership.
Cost to join
- A fee of $1 is charged to each new member.
- A minimum balance of $5 is required in a primary share account.
Membership information collected October 5, 2026.