Credit union · NCUA insured
O&R Utilities Employees Federal Credit Union Savings Rates
O&R Utilities Employees Federal Credit Union’s best savings rate is 2.25% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How O&R Utilities Employees Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Kiryas Joel, NY, where O&R Utilities Employees Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
O&R Utilities Employees Federal Credit Union
2.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $225
Money Market
Top rate
Beacon Bank
3.20%APY
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000 a year
- $320
2nd-highest rate
International Bank of Chicago
3.20%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $320
O&R Utilities Employees Federal Credit Union savings score
66
Savings score
Higher than 17% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0002.50%
- QualifiedQualified0.10%
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 O&R Utilities Employees 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
2.25%APY
Members must maintain a minimum daily balance of $2,500.00. Limit of six (6) withdrawals per month. No limits on deposits to this account. Dividends are calculated and compounded monthly. Free personalized checks. Tiered dividend rate structure.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $10,000 | 2.00% | — |
| $10,000 – $40,000 | 2.25% | $225 |
| $40,000 – $75,000 | 2.35% | — |
| $75,000 and up | 2.50% | — |
Regular Shares
0.10%APY
Establishes membership in O&R Utilities Employees Federal Credit Union. Requires maintaining a minimum balance of $5.00 at all times. Can be used as overdraft protection for share draft checking account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Holiday Club
0.20%APY
Runs from October to October each year. On October 1st, funds earned throughout the year are deposited into the Regular Share Savings Account. Penalty for early withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Holiday Tier 1 ($5.00 to $2,000) | 2.02% | — | Holiday Tier 1 ($5.00 to $2,000) |
| $2,000 and upHoliday Tier 2 (over $2,000) | 0.20% | $20 | Holiday Tier 2 (over $2,000) |
Sources (2)
All captured Sep 17, 2026
Vacation Club
0.05%APY
Withdrawals and deposits may be made at any time.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Sep 17, 2026
Who can join O&R Utilities Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- In 2007 the credit union amended its charter to include all entities dealing in electric power generation, transmission, or distribution in various counties throughout New York, New Jersey, and Pennsylvania.
Cost to join
- To become a member, open a share savings account with a minimum balance of $5.00 and no member fee.
Membership information collected October 5, 2026.