Credit union · NCUA insured
Nutmeg State Financial Credit Union Savings Rates
Top CarrotNutmeg State Financial Credit Union’s best savings rate is 0.35% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Nutmeg State Financial Credit Union’s savings rates compare
Compared with banks and credit unions near New Haven, CT, where Nutmeg State Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Nutmeg State Financial Credit Union
4.00%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
High-Yield Savings Account (HYSA)
2nd-highest rate
Patriot Bank
3.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $350
3rd-highest rate
USALLIANCE Financial
3.40%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $340
Nutmeg State Financial Credit Union savings score
84
Savings score
Higher than 66% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0000.55%
- QualifiedQualified4.00%
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 Nutmeg State Financial 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.
High-Yield Savings Account (HYSA)
Up to 4.00%APY
Available on new money only; funds transferred from an existing NSFCU account do not qualify. Minimum $2,500 deposit required to open and earn advertised APY. Pair with Round-Up Checking to earn an additional 1.00% APY boost on balances of $2,500 to $100,000. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Balances under $2,500 are not eligible to earn interest/dividends. | 0.00% | — | Balances under $2,500 are not eligible to earn interest/dividends. |
| $2,500 – $100,000Requires opening and maintaining a Round-Up Checking account alongside HYSA to receive a +1.00% APY boost on new money balances between $2,500 and $100,000. Variable rate. | 4.00% | $400 | Requires opening and maintaining a Round-Up Checking account alongside HYSA to receive a +1.00% APY boost on new money balances between $2,500 and $100,000. Variable rate. |
| $2,500 – $100,000Available on new money only; funds transferred from an existing NSFCU account do not qualify. Minimum deposit of $2,500 required to open and earn APY. Base rate without checking boost. | 3.00% | $300 | Available on new money only; funds transferred from an existing NSFCU account do not qualify. Minimum deposit of $2,500 required to open and earn APY. Base rate without checking boost. |
| $100,000 and upApplies to the portion of funds exceeding $100,000 (first $100,000 continues to earn 3.00% APY). Available on new money only. | 0.50% | — | Applies to the portion of funds exceeding $100,000 (first $100,000 continues to earn 3.00% APY). Available on new money only. |
Sources (3)
- nutmegstatefcu.org/high-yield-savings
- nutmegstatefcu.org/bank/saving…gh-yield-savings-account
- nutmegstatefcu.org/rates/savings-rates
All captured Oct 4, 2026
Money Market Account
0.35%APY
Dividends are compounded and credited monthly using the average daily balance method. Rates are subject to change at any time and fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $19,999Zero dollars to open the Money Market, $1,000 minimum balance to earn the stated APY. | 0.35% | $35 | Zero dollars to open the Money Market, $1,000 minimum balance to earn the stated APY. |
| $20,000 – $74,999Zero dollars to open the Money Market, $1,000 minimum balance to earn the stated APY. | 0.45% | — | Zero dollars to open the Money Market, $1,000 minimum balance to earn the stated APY. |
| $75,000 and upZero dollars to open the Money Market, $1,000 minimum balance to earn the stated APY. | 0.55% | — | Zero dollars to open the Money Market, $1,000 minimum balance to earn the stated APY. |
Sources (2)
All captured Oct 4, 2026
Regular Share Savings
0.05%APY
Membership requires depositing $5 for one share in the credit union. $100 balance required to qualify for interest/earn stated APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$5 minimum to open account. Minimum $100 balance to qualify for interest; full balance will earn stated APY.$100 and up | 0.05% | $5 | $5 minimum to open account. Minimum $100 balance to qualify for interest; full balance will earn stated APY. |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
Club Account
0.05%APY
Can be opened for vacation, holiday, wedding, or other savings goals (such as Christmas Club and Vacation Club). $100 balance required to qualify for interest/earn stated APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upNo minimum balance to open. Minimum $100 balance to qualify for interest; full balance will earn stated APY.$100 and up | 0.05% | $5 | No minimum balance to open. Minimum $100 balance to qualify for interest; full balance will earn stated APY. |
Sources (2)
All captured Oct 4, 2026
IRA Savings
0.05%APY
Includes Traditional IRA, Roth IRA, and Education IRA wrappers. Minimum $100 balance required for variable rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upVariable rate. Traditional and Roth IRAs. $100 minimum balance.$100 and up | 0.05% | $5 | Variable rate. Traditional and Roth IRAs. $100 minimum balance. |
Sources (2)
All captured Oct 4, 2026
Kidz Club
0.05%APY
$100 balance required to qualify for interest/earn stated APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upNo minimum balance to open. Minimum $100 balance to qualify for interest; full balance will earn stated APY.$100 and up | 0.05% | $5 | No minimum balance to open. Minimum $100 balance to qualify for interest; full balance will earn stated APY. |
Sources (2)
All captured Oct 4, 2026
Who can join Nutmeg State Financial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone in the United States can join via The Community Impact Fund (CIF) membership eligibility with no additional fees or obligations.
Where you live or work
- Membership is open to individuals who live, work, worship, attend school or volunteer in Hartford County, Middlesex County, Tolland County, New Haven County, or the Fairfield County towns of Bridgeport, Shelton, Stratford, Trumbull, Fairfield, Norwalk and Westport, CT.
Employers and groups
- Membership is open to employees of Nutmeg State Financial Credit Union.
Family and household
- Membership is open to spouses and immediate family of current members.
Cost to join
- A minimum deposit of $5 in a Share Savings Account is required to open and maintain membership.
Membership information collected October 4, 2026.