People First Federal Credit Union High-Yield Savings & Money Market Rates

How People First Federal Credit Union’s savings rates compare

Compared with banks and credit unions near Allentown, PA-NJ, where People First Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
People First Federal Credit Union
1.05%APY
Requires
None
Earns on $10,000 a year
$105
Money Market
Top rate
Univest
3.75%APY
Requires
None
Earns on $10,000 a year
$375
Univest rates
2nd-highest rate
United Federal Credit Union
3.00%APY
Requires
Monthly account activity
Earns on $10,000 a year
$300
United Federal Credit Union rates

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Savings score

Higher than 76% of U.S. banks and credit unions

By balance

$1,000 balance$1,0003.50%
$10,000 balance$10,0001.05%
$100,000 balance$100,0001.55%
QualifiedQualified1.05%

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.

How the score works →

Where People First 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.

Smart Saver Account

0.25%APY

Non-members must open a Primary Share/Savings Account first with a minimum $5.00 balance. Reverse tiered rate structure paying interest on balances within each tier. Limit of one Smart Saver Account per member.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Tier 1 rate applied to balances between $0.00 and $2,499.99.	3.50%	—	Tier 1 rate applied to balances between $0.00 and $2,499.99.
$2,500 – $5,000Tier 2 rate applied to balances between $2,500.00 and $4,999.99.	1.25%	—	Tier 2 rate applied to balances between $2,500.00 and $4,999.99.
$5,000 – $10,000Tier 3 rate applied to balances between $5,000.00 and $9,999.99.	0.50%	—	Tier 3 rate applied to balances between $5,000.00 and $9,999.99.
$10,000 and upTier 4 rate applied to balances of $10,000.00 or greater. Stated dividend rate is 0.25% - 0.30%.	0.25%	$25	Tier 4 rate applied to balances of $10,000.00 or greater. Stated dividend rate is 0.25% - 0.30%.

Sources (2)

All captured Sep 26, 2026

Money Market

1.05%APY

Money Market Accounts that fall below the $2,500 minimum will not receive a dividend. Rates are subject to change at any time without notice. Money Market Accounts have a variable rate. Withdrawals could reduce earnings. Write up to a total of 6 checks per month.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Accounts that fall below the $2,500 minimum will not receive a dividend.	0.00%	—	Accounts that fall below the $2,500 minimum will not receive a dividend.
$2,500 – $10,000	0.75%	—
$10,000 – $25,000	1.05%	$105
$25,000 – $75,000	1.30%	—
$75,000 – $250,000	1.55%	—
$250,000 – $1,000,000	1.80%	—
$1,000,000 and up	2.30%	—

Sources (2)

All captured Sep 17, 2026

Primary Share/Savings Account

0.05%APY$5 to open

Primary account required to establish credit union membership and access other products.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upDividends are earned daily and credited monthly on the last day of each month.$5 and up	0.05%	$5	Dividends are earned daily and credited monthly on the last day of each month.

Sources (1)

peoplefirst.com/bank/save/savings · captured Sep 26, 2026

Special Account

0.05%APY

Cannot be accessed with a Visa Debit Card.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividends are earned daily and credited monthly on the last day of each month.Any balance	0.05%	$5	Dividends are earned daily and credited monthly on the last day of each month.

Sources (1)

peoplefirst.com/bank/save/savings · captured Sep 26, 2026

Special-purpose accounts

Coverdell Education Savings Account (ESA)

0.15%APYIRA

Contributions allowed until beneficiary reaches age 18 (unless special needs). Annual contribution limit $2,000 per child, subject to contributor MAGI phase-outs.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceCoverdell ESA (S12) variable rate savings account.Any balance	0.15%	$15	Coverdell ESA (S12) variable rate savings account.

Sources (1)

peoplefirst.com/bank/save/cove…ducation-savings-account · captured Sep 26, 2026

Individual Retirement Account (IRA) Savings

0.15%APYIRA

Available as Traditional IRA Savings Account (S5) or Roth Contributory IRA (S10). Earned income requirements apply.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceCovers IRA Savings Account (S5) and Roth Contributory IRA (S10).Any balance	0.15%	$15	Covers IRA Savings Account (S5) and Roth Contributory IRA (S10).

Sources (2)

All captured Sep 26, 2026

Holiday Account

0.05%APYClub

Funds are automatically transferred to main account by September 30. Cannot be accessed with a Visa Debit Card.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividends are earned daily and credited monthly on the last day of each month.Any balance	0.05%	$5	Dividends are earned daily and credited monthly on the last day of each month.

Sources (1)

peoplefirst.com/bank/save/savings · captured Sep 26, 2026

Vacation Account

0.05%APYClub

Cannot be accessed with a Visa Debit Card.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividends are earned daily and credited monthly on the last day of each month.Any balance	0.05%	$5	Dividends are earned daily and credited monthly on the last day of each month.