Credit union · NCUA insured
Parks Heritage Federal Credit Union Savings Rates
Top CarrotParks Heritage Federal Credit Union’s best savings rate is 1.90% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Parks Heritage Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Glens Falls, NY, where Parks Heritage Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Parks Heritage Federal Credit Union
1.90%APY
- Minimum
- —
- Earns on $10,000 a year
- $190
Money Market
Top rate
Great Meadow Federal Credit Union
3.85%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $385
2nd-highest rate
Pioneer
3.50%APY
- Minimum
- —
- Earns on $10,000 a year
- $350
Parks Heritage Federal Credit Union savings score
88
Savings score
Higher than 82% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.90%
- $100,000 balance$100,0002.15%
- QualifiedQualified1.90%
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 Parks Heritage 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
Up to 1.90%APY
Membership eligibility required (open to those who live, work, worship, or volunteer in Essex, Hamilton, Saratoga, Washington, and Warren counties in NY, or immediate family). A $5 deposit into a Share Savings Account is required for membership. Up to four penalty-free withdrawals per month; fees may apply if monthly withdrawal limit is exceeded. Dividends are compounded and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upTier 1 | 0.05% | $5 | Tier 1 |
| $2,500 and upTier 2 | 1.90% | $190 | Tier 2 |
| $50,000 and upTier 3 | 2.15% | — | Tier 3 |
| $150,000 and upTier 4 | 2.40% | — | Tier 4 |
Sources (2)
All captured Oct 5, 2026
Savings
0.05%APY
Membership eligibility required (live, work, worship, or volunteer in Essex, Hamilton, Saratoga, Washington, or Warren counties in NY, or immediate family). A $5 deposit into a Share Savings Account is required for membership. Dividends compounded and paid monthly on the last day of each month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upNo monthly service charge. No minimum balance service fee. Monthly dividends paid on balances of $500 or more.$500 and up | 0.05% | $5 | No monthly service charge. No minimum balance service fee. Monthly dividends paid on balances of $500 or more. |
Special-purpose accounts
Club Account
0.10%APY
Includes Vacation Club, Holiday Club, and Member's Choice Club. Deposits can be made through Payroll Deduction. Membership eligibility required. Dividends compounded and paid monthly on the last day of each month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 and up | 0.10% | $10 |
Youth Account
0.10%APY
Membership eligibility required. Dividends compounded and paid monthly on the last day of each month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Who can join Parks Heritage 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
- Eligibility is open to anyone who lives, works, worships, or attends school in Warren, Washington, Saratoga, Essex, or Hamilton counties of upstate New York.
Membership information collected October 5, 2026.