Credit union · NCUA insured
PALCO Federal Credit Union Savings Rates
Top CarrotPALCO Federal Credit Union’s best savings rate is 2.58% APY on $10,000, with its Money Market Checking. Rates checked October 16, 2026.
How PALCO Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Williamsport, PA, where PALCO Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
PALCO Federal Credit Union
2.58%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $258
Money Market Checking
Top rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
3rd-highest rate
Horizon Federal Credit Union
1.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $100
PALCO Federal Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0002.58%
- $100,000 balance$100,0002.63%
- QualifiedQualified2.58%
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 PALCO 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 Savings
2.53%APY
Rates are determined by the board of directors at the board meeting prior to quarter end. Rates are reviewed and paid at the anticipated rates if there are sufficient resources to pay dividends at these rates; anticipated rates are not guaranteed. Accounts closed during the quarter receive the last declared rate.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $20,000 | 2.53% | $253 |
| $20,000 – $75,000 | 2.58% | — |
| Over $75,000 | 2.63% | — |
Sources (1)
- palcofcu.org/deposit-rates · captured Sep 17, 2026
Money Market Checking
Up to 2.58%APY
Rates are determined by the board of directors at the board meeting prior to quarter end. Rates are reviewed and paid at the anticipated rates if there are sufficient resources to pay dividends at these rates; anticipated rates are not guaranteed. Accounts closed during the quarter receive the last declared rate.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $10,000 | 2.53% | $253 |
| $10,000 and up | 2.58% | $258 |
Sources (1)
- palcofcu.org/deposit-rates · captured Sep 17, 2026
Share Savings Account
0.15%APY
Must maintain a $5.00 minimum balance to remain eligible for credit union services. Dividends earn based on average daily balance and are paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and up3rd Quarter 2026 Declared rate. Accounts closed during the quarter receive the last declared rate. Stated APR is 0.15%.$5 and up | 0.15% | $15 | 3rd Quarter 2026 Declared rate. Accounts closed during the quarter receive the last declared rate. Stated APR is 0.15%. |
T-accounts (S5)
0.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance3rd Quarter 2026 Declared rate. Accounts closed during the quarter receive the last declared rate. Stated APR is 0.15%.Any balance | 0.15% | $15 | 3rd Quarter 2026 Declared rate. Accounts closed during the quarter receive the last declared rate. Stated APR is 0.15%. |
Sources (1)
- palcofcu.org/deposit-rates · captured Oct 6, 2026
Special-purpose accounts
Christmas Club
0.15%APY
Automatically transfers to designated share account at the end of the club year (mid October). Limited to one emergency withdrawal per club year. Deposits can be made at any time via individual deposit or payroll deduction.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance3rd Quarter 2026 Declared rate. Accounts closed during the quarter receive the last declared rate. Stated APR is 0.15%.Any balance | 0.15% | $15 | 3rd Quarter 2026 Declared rate. Accounts closed during the quarter receive the last declared rate. Stated APR is 0.15%. |
Vacation Club
0.15%APY
Automatically transfers to designated share account at the end of the club year (mid June). Limited to one emergency withdrawal per club year. Deposits can be made at any time via individual deposit or payroll deduction.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance3rd Quarter 2026 Declared rate. Accounts closed during the quarter receive the last declared rate. Stated APR is 0.15%.Any balance | 0.15% | $15 | 3rd Quarter 2026 Declared rate. Accounts closed during the quarter receive the last declared rate. Stated APR is 0.15%. |
Who can join PALCO Federal 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 individuals who live, worship, work, regularly conduct business, or attend school in the rural districts of Bradford, Columbia, Lycoming, Montour, Northumberland, Sullivan, Tioga, or Union counties, Pennsylvania.
Cost to join
- It is free to sign up for membership.
Membership information collected October 5, 2026.