Credit union · NCUA insured
North Towns FCU Savings Rates
North Towns FCU’s best savings rate is 0.05% APY on $10,000, with its Share Savings Account. Rates checked October 16, 2026.
How North Towns FCU’s savings rates compare
Compared with banks and credit unions near Buffalo, NY, where North Towns FCU has the most branches. $10,000, best rate first.
This credit union’s best
North Towns FCU
0.05%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $5
Share Savings Account
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
North Towns FCU savings score
62
Savings score
Higher than 6% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.15%
- 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 North Towns 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.
Share Savings Account
0.05%APY
Open with a deposit of $5.00 plus a $1.00 new account fee. Minimum $5.00 per member in share account required to keep open. Dividends paid quarterly on the average daily balance. Dividends earned with minimum balance of $100.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $25,000 | 0.05% | $5 |
| $25,000 – $100,000,000 | 0.15% | — |
Sources (1)
- northtownsfcu.com/services.php · captured Sep 17, 2026
Special-purpose accounts
IRA Shares
0.30%APY
Available as Traditional IRA, Roth IRA, or Coverdell Education Savings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100,000,000 | 0.30% | $30 |
Sources (1)
- northtownsfcu.com/services.php · captured Sep 17, 2026
Club Accounts
0.05%APY
Christmas and vacation club accounts earn the same dividend rates as share savings accounts. Split payroll deduction or direct deposit available.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $25,000 | 0.05% | $5 |
| $25,000 – $100,000,000 | 0.15% | — |
Sources (1)
- northtownsfcu.com/services.php · captured Sep 17, 2026
Who can join North Towns FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.