Credit union · NCUA insured
Palisades Credit Union Savings Rates
Top CarrotPalisades Credit Union’s best savings rate is 1.00% APY on $10,000, with its High-Yield Savings. Rates checked October 16, 2026.
How Palisades Credit Union’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where Palisades Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Palisades Credit Union
1.00%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $100
High-Yield Savings
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
Palisades Credit Union savings score
83
Savings score
Higher than 62% of U.S. banks and credit unions
- $1,000 balance$1,0000.04%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.00%
- QualifiedQualified1.00%
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 Palisades 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.
High-Yield Savings
1.00%APY
Minimum $10,000 opening deposit required. A $25 monthly fee will be assessed if minimum balance is not maintained. A maximum of two withdrawals is allowed per statement cycle; additional withdrawals will be imposed a fee. Stated APY is variable and subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000A $25 monthly fee is assessed if minimum balance is not maintained. Maximum of two withdrawals per statement cycle. | 0.04% | — | A $25 monthly fee is assessed if minimum balance is not maintained. Maximum of two withdrawals per statement cycle. |
| $10,000 and upA $25 monthly fee is assessed if minimum balance is not maintained. Maximum of two withdrawals per statement cycle. | 1.00% | $100 | A $25 monthly fee is assessed if minimum balance is not maintained. Maximum of two withdrawals per statement cycle. |
| $150,000 and upA $25 monthly fee is assessed if minimum balance is not maintained. Maximum of two withdrawals per statement cycle. | 2.25% | — | A $25 monthly fee is assessed if minimum balance is not maintained. Maximum of two withdrawals per statement cycle. |
Sources (4)
- palisadesfcu.org/disclosures
- palisadesfcu.org/promotions/high-yield-savings
- palisadesfcu.org/bank/savings
- palisadesfcu.org/rates
All captured Oct 5, 2026
Money Market Account
0.10%APY
Minimum $2,500 opening deposit required. A $20 monthly fee will be assessed if minimum balance is not maintained. Maximum of six withdrawals allowed per statement cycle; additional withdrawals will be imposed a fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $9,999Tier 1 balance ($2,500 – $9,999). Minimum $2,500 opening deposit required. $20 monthly fee if minimum balance is not maintained. Max 6 withdrawals per statement cycle. | 0.05% | — | Tier 1 balance ($2,500 – $9,999). Minimum $2,500 opening deposit required. $20 monthly fee if minimum balance is not maintained. Max 6 withdrawals per statement cycle. |
| $10,000 – $24,999Tier 2 balance ($10,000 – $24,999). Minimum $2,500 opening deposit required. $20 monthly fee if minimum balance is not maintained. Max 6 withdrawals per statement cycle. | 0.10% | $10 | Tier 2 balance ($10,000 – $24,999). Minimum $2,500 opening deposit required. $20 monthly fee if minimum balance is not maintained. Max 6 withdrawals per statement cycle. |
| $25,000 – $49,999Tier 3 balance ($25,000 – $49,999). Minimum $2,500 opening deposit required. $20 monthly fee if minimum balance is not maintained. Max 6 withdrawals per statement cycle. | 0.15% | — | Tier 3 balance ($25,000 – $49,999). Minimum $2,500 opening deposit required. $20 monthly fee if minimum balance is not maintained. Max 6 withdrawals per statement cycle. |
| $50,000 – $99,999Tier 4 balance ($50,000 – $99,999). Minimum $2,500 opening deposit required. $20 monthly fee if minimum balance is not maintained. Max 6 withdrawals per statement cycle. | 0.20% | — | Tier 4 balance ($50,000 – $99,999). Minimum $2,500 opening deposit required. $20 monthly fee if minimum balance is not maintained. Max 6 withdrawals per statement cycle. |
| $100,000 – $249,999Tier 5 balance ($100,000 – $249,999). Minimum $2,500 opening deposit required. $20 monthly fee if minimum balance is not maintained. Max 6 withdrawals per statement cycle. | 0.25% | — | Tier 5 balance ($100,000 – $249,999). Minimum $2,500 opening deposit required. $20 monthly fee if minimum balance is not maintained. Max 6 withdrawals per statement cycle. |
| $250,000 and upTier 6 balance ($250,000+). Minimum $2,500 opening deposit required. $20 monthly fee if minimum balance is not maintained. Max 6 withdrawals per statement cycle. | 0.30% | — | Tier 6 balance ($250,000+). Minimum $2,500 opening deposit required. $20 monthly fee if minimum balance is not maintained. Max 6 withdrawals per statement cycle. |
Sources (4)
- palisadesfcu.org/bank
- palisadesfcu.org/disclosures
- palisadesfcu.org/rates
- palisadesfcu.org/bank/savings
All captured Oct 5, 2026
Share Savings
0.04%APY
A $5 deposit ($10 deposit for joint accounts) is required to open and maintain account/membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum $5 deposit ($10 for joint accounts) required to open and maintain membership.Any balance | 0.04% | $4 | Minimum $5 deposit ($10 for joint accounts) required to open and maintain membership. |
Sources (3)
All captured Oct 5, 2026
Special Savings
0.04%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.04% | $4 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Youth Savings
0.33%APY on $10,000
Available to minors under 18 with a joint member (parent or legal guardian). Minimum opening deposit is $5. At age 22, account automatically converts into a Share Savings account. Each dividend rate applies only to the portion of the account balance within each balance range, resulting in a blended APY.
| Part of the balance | Rate on that part |
|---|---|
| Up to $2,000 | 1.49% |
| $2,000 and up | 0.04% |
On $10,000 the tiers blend to about 0.33% APY, earning $33 a year.
Sources (3)
All captured Oct 5, 2026
IRA Savings
0.04%APY
Traditional and Roth IRA savings options available. Minimum $500 opening deposit required. Subject to IRS eligibility, contribution, and distribution rules.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Tier 1 rate. | 0.04% | $4 | Tier 1 rate. |
| $25,000 and upTier 2 rate. | 0.14% | — | Tier 2 rate. |
Sources (3)
All captured Oct 5, 2026
Who can join Palisades Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or study in Rockland County, NY or Bergen County, NJ are eligible for membership.
Employers and groups
- Employees of Select Employer Groups (SEGs) are eligible to join.
Family and household
- Individuals who have an immediate family member who is already a member are eligible to join.
- Individuals who live with someone who qualifies for membership are eligible to join.
Cost to join
- Membership is free with a $5 minimum deposit required to open a savings account.
Membership information collected October 5, 2026.