Credit union · NCUA insured
ONE Credit Union Savings Rates
Top CarrotONE Credit Union’s best savings rate is 1.01% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How ONE Credit Union’s savings rates compare
Compared with banks and credit unions near Buffalo, NY, where ONE Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
ONE Credit Union
1.01%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $101
Money Market 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
ONE Credit Union savings score
85
Savings score
Higher than 68% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.01%
- $100,000 balance$100,0001.26%
- QualifiedQualified1.01%
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 ONE 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
1.01%APY
Minimum balance of $2,500.00 to earn dividends and avoid monthly fee. Up to 5 withdrawals permitted per month; $10.00 fee applies for each withdrawal in excess of 5 per month. $10.00 per month fee if balance falls below $2,500.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500$10.00 fee per month applies when balance is below the $2,500.00 minimum balance requirement. Up to 5 withdrawals per month ($10.00 each for excess withdrawals). | 0.00% | — | $10.00 fee per month applies when balance is below the $2,500.00 minimum balance requirement. Up to 5 withdrawals per month ($10.00 each for excess withdrawals). |
| $2,500 – $20,000$10.00 monthly fee is waived when maintaining the $2,500.00 minimum balance. Up to 5 withdrawals per month ($10.00 each for excess withdrawals). | 1.01% | $101 | $10.00 monthly fee is waived when maintaining the $2,500.00 minimum balance. Up to 5 withdrawals per month ($10.00 each for excess withdrawals). |
| $20,000 – $75,000$10.00 monthly fee is waived when maintaining the $2,500.00 minimum balance. Up to 5 withdrawals per month ($10.00 each for excess withdrawals). | 1.11% | — | $10.00 monthly fee is waived when maintaining the $2,500.00 minimum balance. Up to 5 withdrawals per month ($10.00 each for excess withdrawals). |
| $75,000 and up$10.00 monthly fee is waived when maintaining the $2,500.00 minimum balance. Up to 5 withdrawals per month ($10.00 each for excess withdrawals). | 1.26% | — | $10.00 monthly fee is waived when maintaining the $2,500.00 minimum balance. Up to 5 withdrawals per month ($10.00 each for excess withdrawals). |
Sources (1)
- onecreditunion.org/personal-ba…redit-union-money-market · captured Sep 17, 2026
Goalsetter Savings Account
0.10%APY
Automatic payroll deduction can be set up to reach savings goals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends compounded monthly using daily balance method.$25 and up | 0.10% | $10 | Dividends compounded monthly using daily balance method. |
Sources (2)
- onecreditunion.org/personal-banking/savings-account
- onecreditunion.org/rates/savings-account-interest
All captured Sep 17, 2026
Share Savings
0.10%APY
Balances of $25 or more earn dividends paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends compounded monthly using daily balance method.$25 and up | 0.10% | $10 | Dividends compounded monthly using daily balance method. |
Sources (2)
- onecreditunion.org/personal-banking/savings-account
- onecreditunion.org/rates/savings-account-interest
All captured Sep 17, 2026
Special-purpose accounts
Holiday Club Savings Account
0.10%APY
Savings are automatically transferred to savings or checking account around the first business day in October.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends compounded monthly using daily balance method.$25 and up | 0.10% | $10 | Dividends compounded monthly using daily balance method. |
Sources (2)
- onecreditunion.org/personal-banking/savings-account
- onecreditunion.org/rates/savings-account-interest
All captured Sep 17, 2026
IRA Share Account
0.10%APY
Tax-deferred retirement savings with no fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends compounded monthly using daily balance method.$25 and up | 0.10% | $10 | Dividends compounded monthly using daily balance method. |
Sources (2)
All captured Sep 17, 2026
Who can join ONE Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to any person who either lives, works, worships, or goes to school in Erie County, New York.
Membership information collected October 5, 2026.