Credit union · NCUA insured
People's Alliance Federal Credit Union Savings Rates
People's Alliance Federal Credit Union’s best savings rate is 0.35% APY on $10,000, with its Money Market Account (Special Performance (S.P.) Account). Rates checked October 16, 2026.
How People's Alliance Federal Credit Union’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where People's Alliance Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
People's Alliance Federal Credit Union
0.35%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $35
Money Market Account (Special Performance (S.P.) Account)
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
People's Alliance Federal Credit Union savings score
74
Savings score
Higher than 37% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0000.70%
- QualifiedQualified0.35%
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 People's Alliance 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 Account (Special Performance (S.P.) Account)
0.35%APY
A minimum balance of $2,500.00 must be maintained. Allows a maximum of six withdrawals (no more than three by check) per month with no minimum investment period. Dividends are paid and compounded monthly. Membership eligibility requirements apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $24,999 | 0.35% | $35 |
| $25,000 – $49,999 | 0.50% | — |
| $50,000 – $99,999 | 0.50% | — |
| $100,000 – $249,999 | 0.70% | — |
| $250,000 and up | 0.75% | — |
Sources (4)
- pafcu.org
- pafcu.org/_pdfs/pafcu-truth-in-saving.pdf
- pafcu.org/products-services/rates.php
- pafcu.org/products-services/savings-accounts.php
All captured Oct 16, 2026
Prime Share Account
0.10%APY
A minimum balance of $5.00 is required to maintain credit union membership and be eligible for additional credit union services. To obtain the disclosed APY, a minimum balance of $50.00 must be maintained.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upTo obtain the disclosed APY, a minimum balance must be maintained.$50 and up | 0.10% | $10 | To obtain the disclosed APY, a minimum balance must be maintained. |
Sources (3)
- pafcu.org/_pdfs/pafcu-truth-in-saving.pdf
- pafcu.org/products-services/rates.php
- pafcu.org/products-services/savings-accounts.php
All captured Oct 16, 2026
Escrow Accounts
0.05%APY
To obtain the disclosed APY, a minimum balance of $50.00 must be maintained.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upTo obtain disclosed APY, a minimum balance must be maintained.$50 and up | 0.05% | $5 | To obtain disclosed APY, a minimum balance must be maintained. |
Sources (1)
- pafcu.org/products-services/rates.php · captured Oct 16, 2026
Special-purpose accounts
Youth Savings
4.50%APY
Dividends paid on individual member's eligible balances for the quarter ending September 30, 2026.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Applicable on balances up to $1,000.Up to $1,000 | 4.50% | — | Applicable on balances up to $1,000. |
Sources (1)
- pafcu.org/products-services/rates.php · captured Oct 16, 2026
IRA
0.17%APY
Dividends earned are exempt from federal income taxes until withdrawals begin. Dividends credited and compounded quarterly. To obtain disclosed APY, a minimum balance of $50.00 must be maintained.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upTo obtain disclosed APY, a minimum balance must be maintained.$50 and up | 0.17% | $17 | To obtain disclosed APY, a minimum balance must be maintained. |
Sources (2)
All captured Oct 16, 2026
Health Savings Acct
0.10%APY
Subject to IRS limitations and penalties. Subject to a variable rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upIn order to earn the disclosed APY, must maintain a balance at least equal to $50.00 each day.$50 and up | 0.10% | $10 | In order to earn the disclosed APY, must maintain a balance at least equal to $50.00 each day. |
Sources (2)
All captured Sep 17, 2026
Who can join People's Alliance 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 select geographical areas in NY and FL.
Employers and groups
- Individuals can qualify for membership by joining the American Consumer Council (ACC) or the New York Credit Union Foundation (NYCUF), with membership covered by PAFCU.
- Employees of more than 400 PAFCU partner companies can apply for membership.
Family and household
- Family members of current members, including immediate relatives and relatives by marriage or adoption, are eligible for membership.
- Family members of employees of more than 400 PAFCU partner companies can apply for membership.
Membership information collected October 5, 2026.