Credit union · NCUA insured
NY TEAM Federal Credit Union Savings Rates
NY TEAM Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How NY TEAM Federal Credit Union’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where NY TEAM Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
NY TEAM Federal Credit Union
0.25%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $25
Money Market Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
NY TEAM Federal Credit Union savings score
70
Savings score
Higher than 26% of U.S. banks and credit unions
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.70%
- QualifiedQualified0.25%
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 NY TEAM 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.
Money Market Account
0.25%APY
Must maintain a minimum balance of $2,500 to earn dividends and avoid a $10.00 monthly service charge/low balance fee. When the balance is below $2,500, no dividends are paid. Three free withdrawals per month limit. Subject to membership eligibility.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $25,000No monthly service charge if minimum balance of $2,500 is met; $10.00 monthly fee if balance falls below $2,500. | 0.25% | $25 | No monthly service charge if minimum balance of $2,500 is met; $10.00 monthly fee if balance falls below $2,500. |
| $25,000 – $100,000No monthly service charge if minimum balance of $2,500 is met; $10.00 monthly fee if balance falls below $2,500. | 0.50% | — | No monthly service charge if minimum balance of $2,500 is met; $10.00 monthly fee if balance falls below $2,500. |
| $100,000 and upNo monthly service charge if minimum balance of $2,500 is met; $10.00 monthly fee if balance falls below $2,500. | 0.70% | — | No monthly service charge if minimum balance of $2,500 is met; $10.00 monthly fee if balance falls below $2,500. |
Sources (3)
All captured Sep 25, 2026
Share Account
0.05%APY
In order to join NY TEAM FCU, members open and keep a basic savings account with $1 as ownership share. Monthly maintenance fee is FREE. Minimum balance of $2,500.00 to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum balance to earn dividend is $2,500.00+. $1 opening deposit/share required.$2,500 and up | 0.05% | $5 | Minimum balance to earn dividend is $2,500.00+. $1 opening deposit/share required. |
Sources (3)
- teamfcu.org/saving/savings-rates
- teamfcu.org/saving/savings-rat…banking-savings-accounts
- teamfcu.org/saving/schedule-of-fees
All captured Oct 5, 2026
Special-purpose accounts
Educational Club Account
0.05%APY
Special rate limited to one Educational Club Account per primary member. Subsequent withdrawals are subject to penalty as stated on disclosure. $1 balance required to open account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Special rate limited to one Educational Club Account per primary member. | 2.53% | — | Special rate limited to one Educational Club Account per primary member. |
| $2,500 and upBalances higher than $2,500 earn 0.05% APY. | 0.05% | $5 | Balances higher than $2,500 earn 0.05% APY. |
Sources (2)
All captured Oct 5, 2026
Youth Savings Account
0.05%APY
Available for family members up to age 18. Must be opened by a parent or legal guardian.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 2.53% | — |
| $1,001 and up | 0.05% | $5 |
Holiday Club
0.05%APY
Daily dividends compounded and paid monthly. The third week of October funds automatically transfer to Share Savings. Two monthly withdrawals are free, additional withdrawals incur a fee of $5.00 each.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum balance to earn dividend is $2,500.00+.$2,500 and up | 0.05% | $5 | Minimum balance to earn dividend is $2,500.00+. |
Sources (3)
- teamfcu.org/saving/savings-rates
- teamfcu.org/saving/savings-rat…banking-savings-accounts
- teamfcu.org/saving/schedule-of-fees
All captured Oct 5, 2026
IRA Share Account
0.05%APY
Tax-deferred investment share account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum balance to earn dividend is $2,500.00+.$2,500 and up | 0.05% | $5 | Minimum balance to earn dividend is $2,500.00+. |
Sources (2)
All captured Oct 5, 2026
Vacation Club
0.05%APY
Continuous club account to save for yearly vacations. Two withdrawals per calendar month for the full amount at no charge; subsequent withdrawals incur a fee of $5.00 each.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum balance to earn dividend is $2,500.00+.$2,500 and up | 0.05% | $5 | Minimum balance to earn dividend is $2,500.00+. |
Sources (3)
- teamfcu.org/saving/savings-rates
- teamfcu.org/saving/savings-rat…banking-savings-accounts
- teamfcu.org/saving/schedule-of-fees
All captured Oct 5, 2026
Who can join NY TEAM Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees or members of qualifying select employer groups and organizations (including Long Island Rail Road, MTA, Staten Island Rapid Transit, Amtrak, Conrail, NJ Transit, Metro North, Aeroflex, Eagle Electric, This Week Publications, Visiting Nurses, NCC, and White Rose) are eligible for membership.
- Employees of Credit Union Trade Associations (including NY TEAM Federal Credit Union, N.Y. Credit Union League, Credit Union National Association in Washington, and National Association of Federal Credit Unions) are eligible for membership.
Family and household
- Any relative by blood or marriage of a current NY TEAM Federal Credit Union member is eligible to join regardless of where they live or work.
Cost to join
- A deposit of $1.00 must be deposited and maintained in a regular share account to open and maintain membership.
Membership information collected October 5, 2026.