People's Credit Union Savings & Money Market Rates

How People's Credit Union’s savings rates compare

Compared with banks and credit unions near Providence, RI-MA, where People's Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
People's Credit Union
3.00%APY
Requires
Another account
Minimum
$2,500
Earns on $10,000 a year
$300
Select Reserve Money Market Account
Top rate
St. Anne's Credit Union
4.95%APY
Requires
None
Minimum
$2,500
Earns on $10,000 a year
$495
St. Anne's Credit Union rates
2nd-highest rate
Alltrust Credit Union
4.00%APY
Requires
Monthly account activity
Minimum
$25
Earns on $10,000 a year
$400
Alltrust Credit Union rates

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Savings score

Higher than 38% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.05%
$10,000 balance$10,0000.05%
$100,000 balance$100,0000.25%
QualifiedQualified2.00%

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.

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Where People's 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.

Select Reserve Money Market Account

3.00%APYRequirements apply$2,500 to open

For members with an excess of $250,000 on deposit at People’s Credit Union. Must maintain a minimum daily balance of $2,500.00 to obtain the disclosed Annual Percentage Yield (APY).

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$2,500 and upFor members with an excess of $250,000 on deposit at People’s Credit Union. Must maintain a minimum daily balance of $2,500.00 to obtain the disclosed Annual Percentage Yield (APY).$2,500 and up	3.00%	$300	For members with an excess of $250,000 on deposit at People’s Credit Union. Must maintain a minimum daily balance of $2,500.00 to obtain the disclosed Annual Percentage Yield (APY).

Sources (2)

All captured Oct 22, 2026

Max Yield Money Market

2.00%APYRequirements apply$2,500 to open

To open a new Max Yield Money Market account, you must currently have an active Max Yield Checking account. Must maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed APY. If the checking account is closed at any time of the month, the account will pay the current Personal Money Market rate of interest.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$2,500 and upMust maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed APY. Must have an active Max Yield Checking Account to obtain the higher rate of interest.	2.00%	$200	Must maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed APY. Must have an active Max Yield Checking Account to obtain the higher rate of interest.
$50,000 and upMust maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed APY. Must have an active Max Yield Checking Account to obtain the higher rate of interest.	2.25%	—	Must maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed APY. Must have an active Max Yield Checking Account to obtain the higher rate of interest.
$500,000 and upMust maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed APY. Must have an active Max Yield Checking Account to obtain the higher rate of interest.	2.50%	—	Must maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed APY. Must have an active Max Yield Checking Account to obtain the higher rate of interest.

Sources (1)

peoplescu.com/personal/savings · captured Oct 22, 2026

Save myChange

Up to 0.50%APY$5 to open

Debit card round-up feature on a checking account linked to a savings account. When you use your debit card to make a purchase the transaction amount is rounded up to the nearest dollar and transferred into your Save myChange savings account.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Over $0Must conduct 4 debit transactions per statement cycle in associated checking account to earn the higher rate. Otherwise, the rate will be calculated using the lowest tier.	0.50%	$50	Must conduct 4 debit transactions per statement cycle in associated checking account to earn the higher rate. Otherwise, the rate will be calculated using the lowest tier.
$5,000 and up	0.05%	$5

Sources (3)

All captured Oct 15, 2026

Personal Money Market

0.05%APY$2,500 to open

Must maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed APY.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$2,500 and upMust maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed APY.	0.05%	$5	Must maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed APY.
$25,000 and upMust maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed APY.	0.10%	—	Must maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed APY.
$50,000 and upMust maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed APY.	0.15%	—	Must maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed APY.
$75,000 and upMust maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed APY.	0.25%	—	Must maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed APY.

Sources (1)

peoplescu.com/personal/savings · captured Oct 22, 2026

Basic Savings

0.05%APY$5 to open

Establish a membership at and ownership in People's Credit Union by opening a Basic Savings Account. Requires $5 to open. Earn interest and pay no monthly service charge.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Over $0	0.05%	$5

Sources (3)

All captured Oct 15, 2026

Special-purpose accounts

Holiday Club Savings

0.05%APYClub$1 to open

Pay no monthly service charge. Funds will be paid out in October.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Over $0	0.05%	$5

Sources (3)

All captured Oct 15, 2026

Individual Retirement Statement Savings

0.05%APYIRA$100 to open

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$100 and up	0.05%	$5

Sources (3)

All captured Oct 15, 2026

Who can join People's Credit Union

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Visit institution website ↗Branches and institution details

← People's Credit Union overview

How People's Credit Union’s savings rates compare

People's Credit Union savings score

Current savings rates

Select Reserve Money Market Account

Max Yield Money Market

Save myChange

Personal Money Market

Basic Savings

Special-purpose accounts

Holiday Club Savings

Individual Retirement Statement Savings

Who can join People's Credit Union