Credit union · NCUA insured
Ontario Shores FCU Savings Rates
Top CarrotOntario Shores FCU’s best savings rate is 1.51% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Ontario Shores FCU’s savings rates compare
Compared with banks and credit unions near Buffalo, NY, where Ontario Shores FCU has the most branches. $10,000, best rate first.
This credit union’s best
Ontario Shores FCU
1.51%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $151
Money Market
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
Ontario Shores FCU savings score
88
Savings score
Higher than 82% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0001.51%
- $100,000 balance$100,0002.02%
- QualifiedQualified1.51%
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 Ontario Shores FCU 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
1.51%APY
Membership subject to eligibility. Dividends are credited quarterly. Six pre-authorized, automatic, or telephone transfers allowed per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 0.25% | — |
| $2,500 – $9,999 | 1.00% | — |
| $10,000 – $24,999 | 1.51% | $151 |
| $25,000 and up | 2.02% | — |
Basic (Share) Savings Account
0.25%APY
Open to members of Ontario Shores FCU. Initial share deposit of $5.00 required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.25% | $25 |
Special-purpose accounts
IRA Share
1.01%APY
Available as Traditional, Roth, and Education IRAs. Dividends credited quarterly. Tax penalties may occur on IRA early withdrawals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upTax penalties may occur on IRA early withdrawals.$5 and up | 1.01% | $101 | Tax penalties may occur on IRA early withdrawals. |
Youth Savings
0.25%APY
Designed for children ages newborn to 14 years old. Earns the same rate of interest as a regular share account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upEarns the same rate of interest as a regular share account.$5 and up | 0.25% | $25 | Earns the same rate of interest as a regular share account. |
Who can join Ontario Shores FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible to join if you live, work, worship, volunteer, or attend school in Niagara, Orleans, Genesee, Wyoming, Cattaraugus, Allegany, or Steuben counties in Western New York.
Membership information collected October 5, 2026.