Credit union · NCUA insured
Northern Credit Union Savings Rates
Northern Credit Union’s best savings rate is 0.20% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Northern Credit Union’s savings rates compare
Compared with banks and credit unions near Watertown, NY, where Northern Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Northern Credit Union
0.75%APY
- Requires
- Another account
- Minimum
- $1
- Earns on $10,000 a year
- $75
High Yield Savings
Top rate
State CS Employees Federal Credit Union
1.65%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $165
2nd-highest rate
AmeriCU Credit Union
1.25%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $125
Northern Credit Union savings score
75
Savings score
Higher than 38% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.75%
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 Northern 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.
Platinum High Yield Savings
0.00%APY
Offered with Choice Rewards Checking or Premium Rewards Checking.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $50,000 | 0.00% | $0 |
| $50,000 – $100,000 | 1.75% | — |
| $100,000 – $200,000 | 3.00% | — |
| $200,000 and up | 3.25% | — |
Sources (1)
- mynorthern.com/phys_cd_offer · captured Sep 17, 2026
High Yield Savings
0.75%APY
Available to members with an active Choice Rewards Checking account or Premium Rewards Checking account. Minimum opening deposit $1.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $35,000 | 0.75% | $75 |
| $35,000 – $75,000 | 1.00% | — |
| $75,000 – $250,000 | 1.50% | — |
| $250,000 and up | 2.50% | — |
Money Market
0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.15% | — |
| $10,000 – $50,000 | 0.20% | $20 |
| $50,000 – $100,000 | 0.25% | — |
| $100,000 and up | 0.30% | — |
Sources (1)
- mynorthern.com/rates · captured Sep 17, 2026
Basic Savings Account NY
0.15%APY
Open with $5 credit union membership deposit. Earn dividends on balances of $50 or more. Dividends earned on $60 or less would be less than 1 cent, therefore dividends do not pay out until balance reaches at least $61. Optional overdraft protection on checking account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50Dividends earned on $60 or less in the account would be less than 1 cent, therefore dividends would not pay out until the account balance reaches at least $61. | 0.10% | — | Dividends earned on $60 or less in the account would be less than 1 cent, therefore dividends would not pay out until the account balance reaches at least $61. |
| Up to $5,000Dividends earned on $60 or less in the account would be less than 1 cent, therefore dividends would not pay out until the account balance reaches at least $61. | 0.10% | — | Dividends earned on $60 or less in the account would be less than 1 cent, therefore dividends would not pay out until the account balance reaches at least $61. |
| $5,000 – $25,000 | 0.15% | $15 | |
| $25,000 and up | 0.20% | — |
Easy Savings Account NY
0.15%APY
No minimum opening deposit requirement. Keep saving with automatic monthly deposits of $25 or more. One withdrawal or transfer permitted per monthly statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Blended rate tier structure: earns 0.10% APY on all balances up to $499.99. | 0.10% | — | Blended rate tier structure: earns 0.10% APY on all balances up to $499.99. |
| $500 – $2,500Blended rate tier structure: advertised as 0.10% - 0.14% APY (0.10% on first $499.99, 0.15% on balance between $500.00 and $9,999.99). | 0.14% | — | Blended rate tier structure: advertised as 0.10% - 0.14% APY (0.10% on first $499.99, 0.15% on balance between $500.00 and $9,999.99). |
| $2,500 – $5,000Blended rate tier structure: advertised as 0.14% - 0.15% APY (0.10% on first $499.99, 0.15% on balance between $500.00 and $9,999.99). | 0.15% | — | Blended rate tier structure: advertised as 0.14% - 0.15% APY (0.10% on first $499.99, 0.15% on balance between $500.00 and $9,999.99). |
| $5,000 – $10,000Blended rate tier structure: earns 0.15% on balances between $500.00 and $9,999.99. | 0.15% | — | Blended rate tier structure: earns 0.15% on balances between $500.00 and $9,999.99. |
| $10,000 and upBlended rate tier structure: advertised as 0.05% - 0.15% APY (0.10% on first $499.99, 0.15% between $500.00 and $9,999.99, and 0.05% on balances over $9,999.99). | 0.15% | $15 | Blended rate tier structure: advertised as 0.05% - 0.15% APY (0.10% on first $499.99, 0.15% between $500.00 and $9,999.99, and 0.05% on balances over $9,999.99). |
Special-purpose accounts
NEXT eSavings
0.20%APY
Designed for young adults ages 18–25 with NEXT eChecking. Must have an open and active NEXT rewards Checking account. Limit one NEXT eSavings account per social security number.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Blended rate tier structure: earns 5.00% APY on all balances up to $1,000. | 5.00% | — | Blended rate tier structure: earns 5.00% APY on all balances up to $1,000. |
| $1,000 – $5,000Blended rate tier structure: advertised as 0.20% - 5.00% APY (5.00% on first $1,000.00, 0.20% on balances between $1,000.01 and $5,000.00). | 5.00% | — | Blended rate tier structure: advertised as 0.20% - 5.00% APY (5.00% on first $1,000.00, 0.20% on balances between $1,000.01 and $5,000.00). |
| Over $5,000Blended rate tier structure: advertised as 0.15% - 0.20% APY (5.00% on first $1,000.00, 0.20% between $1,000.01 and $5,000.00, and 0.15% on balances over $5,000.00). | 0.20% | $20 | Blended rate tier structure: advertised as 0.15% - 0.20% APY (5.00% on first $1,000.00, 0.20% between $1,000.01 and $5,000.00, and 0.15% on balances over $5,000.00). |
Christmas and Vacation Club Savings
0.15%APY
Earn competitive dividends on balances of $50 or more. Flexible deposits or withdrawals any time.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $50 | 0.10% | — |
| Up to $5,000 | 0.10% | — |
| $5,000 – $25,000 | 0.15% | $15 |
| $25,000 and up | 0.20% | — |
My Own Savings
0.15%APY
Youth account for tweens paired with Greenlight app. Account owner is the child, with one parent or guardian listed as custodian. Dividends earned on $60 or less would be less than 1 cent, therefore dividends do not pay out until balance reaches at least $61.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50Dividends earned on $60 or less would be less than 1 cent, therefore dividends do not pay out until the account balance reaches at least $61. | 0.10% | — | Dividends earned on $60 or less would be less than 1 cent, therefore dividends do not pay out until the account balance reaches at least $61. |
| Up to $5,000Dividends earned on $60 or less would be less than 1 cent, therefore dividends do not pay out until the account balance reaches at least $61. | 0.10% | — | Dividends earned on $60 or less would be less than 1 cent, therefore dividends do not pay out until the account balance reaches at least $61. |
| $5,000 – $25,000 | 0.15% | $15 | |
| $25,000 and up | 0.20% | — |
Smart S.T.A.R.T. Savings
0.15%APY
Open to kids up to age 12. Account owner is the child, with one parent or guardian listed as custodian. Dividends earned on $60 or less would be less than 1 cent, therefore dividends do not pay out until balance reaches at least $61.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50Dividends earned on $60 or less would be less than 1 cent, therefore dividends do not pay out until the account balance reaches at least $61. | 0.10% | — | Dividends earned on $60 or less would be less than 1 cent, therefore dividends do not pay out until the account balance reaches at least $61. |
| Up to $5,000Dividends earned on $60 or less would be less than 1 cent, therefore dividends do not pay out until the account balance reaches at least $61. | 0.10% | — | Dividends earned on $60 or less would be less than 1 cent, therefore dividends do not pay out until the account balance reaches at least $61. |
| $5,000 – $25,000 | 0.15% | $15 | |
| $25,000 and up | 0.20% | — |
Who can join Northern Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is available to members of the American Consumer Council (ACC), with complimentary ACC membership offered so anyone living outside the local communities can qualify.
Where you live or work
- Individuals who live, work, worship, attend school, or regularly do business in Northern New York or communities currently served are eligible for membership.
Family and household
- Immediate family members of current or eligible Northern members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, or adoptive relationship) are eligible for membership.
Cost to join
- A minimum deposit of $5 into a savings account is required to maintain membership.
Membership information collected October 5, 2026.