Reliant Credit Union Savings & Money Market Rates

How Reliant Credit Union’s savings rates compare

Compared with banks and credit unions near Rochester, NY, where Reliant Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Reliant Credit Union
0.75%APY
Requires
None
Minimum
$1,000
Earns on $10,000 a year
$75
Daily Money Account
Top rate
Family First Federal Credit Union
5.00%APY
Requires
Monthly account activity
Minimum
—
Earns on $10,000 a year
$500
Family First Federal Credit Union rates
2nd-highest rate
Northwest Bank
4.00%APY
Requires
None
Minimum
$1
Earns on $10,000 a year
$400
Northwest Bank rates

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Savings score

Higher than 61% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.50%
$10,000 balance$10,0000.75%
$100,000 balance$100,0001.05%
QualifiedQualified0.75%

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 Reliant 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.

Round-Up Savings Account

2.50%APY

Requires a Reliant checking account and eligible debit card. Every debit card purchase is rounded up to the nearest dollar and transferred daily from checking into Round-Up Savings. No minimum opening balance. No monthly maintenance fee.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upRequires enrollment in Round-Up Savings program with an active Reliant checking account and debit card. Rates accurate as of 6/29/2026 and subject to change.$100 and up	2.50%	$250	Requires enrollment in Round-Up Savings program with an active Reliant checking account and debit card. Rates accurate as of 6/29/2026 and subject to change.

Sources (3)

All captured Sep 17, 2026

Daily Money Account

0.75%APYMoney market$1,000 to open

Dividends are paid up to the date of withdrawal if closed prior to the end of the dividend period. Minimum opening balance is $1,000. Membership eligibility required.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$1,000 – $2,500	0.50%	—
$2,500 – $10,000	0.50%	—
$10,000 – $25,000	0.75%	$75
$25,000 – $50,000	0.90%	—
$50,000 – $100,000	1.05%	—
$100,000 – $150,000	1.05%	—
$150,000 – $250,000	1.10%	—
$250,000 and up	1.10%	—

Sources (1)

reliantcu.com/wp-content/uploa…ntShareRates_6-29-26.pdf · captured Oct 16, 2026

Daily Money Savings Account

0.75%APY$1,000 to open

Combines features of savings and checking with tiered dividends. Dividends accrue daily for balances of $1,000 or greater and are paid monthly; if closed prior to dividend period end, dividends paid up to date of withdrawal. No monthly service fee. Mobile check deposit is not available.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$1,000 – $2,500Rates accurate as of 6/29/2026 and subject to change.	0.50%	—	Rates accurate as of 6/29/2026 and subject to change.
$2,500 – $10,000Rates accurate as of 6/29/2026 and subject to change.	0.50%	—	Rates accurate as of 6/29/2026 and subject to change.
$10,000 – $25,000Rates accurate as of 6/29/2026 and subject to change.	0.75%	$75	Rates accurate as of 6/29/2026 and subject to change.
$25,000 – $50,000Rates accurate as of 6/29/2026 and subject to change.	0.90%	—	Rates accurate as of 6/29/2026 and subject to change.
$50,000 – $100,000Rates accurate as of 6/29/2026 and subject to change.	1.05%	—	Rates accurate as of 6/29/2026 and subject to change.
$100,000 – $150,000Rates accurate as of 6/29/2026 and subject to change.	1.05%	—	Rates accurate as of 6/29/2026 and subject to change.
$150,000 – $250,000Rates accurate as of 6/29/2026 and subject to change.	1.10%	—	Rates accurate as of 6/29/2026 and subject to change.
$250,000 and upRates accurate as of 6/29/2026 and subject to change.	1.10%	—	Rates accurate as of 6/29/2026 and subject to change.

Sources (3)

All captured Sep 17, 2026

Savings Dividend

0.10%APY$5 to open

Your first $5.00 deposit represents your share in the credit union and gives you voting rights at annual meetings, remaining on deposit for the life of your membership. A $5 monthly low-balance fee applies if the total balance (including all sub-accounts) is less than $100 on the last business day of the month; waived if the member maintains a combined balance of at least $100 across deposit/loan accounts, for owners under age 18, or during the first 3 months. Dividends calculated, compounded, and credited monthly based on average daily balance.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $1,000Rates accurate as of 6/29/2026 and subject to change. $5 monthly fee waived if combined balance is at least $100, account is open less than 3 months, or owner is under 18.	0.05%	—	Rates accurate as of 6/29/2026 and subject to change. $5 monthly fee waived if combined balance is at least $100, account is open less than 3 months, or owner is under 18.
$1,000 and upRates accurate as of 6/29/2026 and subject to change. $5 monthly fee waived if combined balance is at least $100, account is open less than 3 months, or owner is under 18.	0.10%	$10	Rates accurate as of 6/29/2026 and subject to change. $5 monthly fee waived if combined balance is at least $100, account is open less than 3 months, or owner is under 18.

Sources (4)

All captured Sep 17, 2026

Escrow Account

0.05%APY

Escrow savings account; opening minimum is per mortgage contract. Dividends calculated, compounded, and credited quarterly on average daily balance. No monthly service fee.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upOpening minimum per mortgage contract. Rates accurate as of 6/29/2026 and subject to change.$100 and up	0.05%	$5	Opening minimum per mortgage contract. Rates accurate as of 6/29/2026 and subject to change.

Sources (2)

All captured Sep 17, 2026

Insurance Account

0.05%APY$5 to open

Specialty savings account for insurance expenses. Opening minimum is $5 or $5/payroll. Dividends calculated, compounded, and credited quarterly on average daily balance. No monthly service fee.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upRates accurate as of 6/29/2026 and subject to change.$100 and up	0.05%	$5	Rates accurate as of 6/29/2026 and subject to change.

Sources (2)

All captured Sep 17, 2026

Loan Savings

0.05%APYRequirements apply

Loan savings account; opening minimum is per loan payment. Dividends calculated, compounded, and credited quarterly on average daily balance. No monthly service fee.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upOpening minimum per loan payment. Rates accurate as of 6/29/2026 and subject to change.$100 and up	0.05%	$5	Opening minimum per loan payment. Rates accurate as of 6/29/2026 and subject to change.

Sources (2)

All captured Sep 17, 2026

Pledged Savings

0.05%APYRequirements apply

Pledged savings account; opening minimum is per loan contract. Dividends calculated, compounded, and credited quarterly on average daily balance. No monthly service fee.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upOpening minimum per loan contract. Rates accurate as of 6/29/2026 and subject to change.$100 and up	0.05%	$5	Opening minimum per loan contract. Rates accurate as of 6/29/2026 and subject to change.

Sources (2)

All captured Sep 17, 2026

Special Savings

0.05%APY$5 to open

Supplemental savings account to set aside money for a specific purpose or purchase. Opening minimum is $5 or $5/payroll. Dividends calculated, compounded, and credited quarterly on average daily balance. No monthly maintenance fee.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upRates accurate as of 6/29/2026 and subject to change.$100 and up	0.05%	$5	Rates accurate as of 6/29/2026 and subject to change.

Sources (3)

All captured Sep 17, 2026

Special-purpose accounts

IRA Savings Account

0.25%APYIRA$100 to open

Flexible savings account with Traditional IRA tax benefits. Dividends protected from taxes until withdrawn; contributions up to limits are tax-deductible. Minimum opening balance is $100 or $10/payroll. Dividends calculated daily and compounded/credited monthly based on average daily balance. No monthly maintenance fee.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $10,000Rates accurate as of 6/29/2026 and subject to change. Opening minimum is $100 or $10/payroll.	0.20%	—	Rates accurate as of 6/29/2026 and subject to change. Opening minimum is $100 or $10/payroll.
$10,000 and upRates accurate as of 6/29/2026 and subject to change. Opening minimum is $100 or $10/payroll.	0.25%	$25	Rates accurate as of 6/29/2026 and subject to change. Opening minimum is $100 or $10/payroll.

Sources (3)

All captured Sep 17, 2026

Christmas Club

0.12%APYClub$5 to open

Funds become accessible once a year on October 1; automatically renews at maturity unless notified otherwise. A $15 early withdrawal fee applies to each early withdrawal. Dividends calculated, compounded, and credited quarterly on average daily balance. Opening minimum is $5 or $5/payroll. No monthly service fee.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNo minimum balance to earn dividends. Early withdrawal penalty of $15 applies. Funds released on October 1. Deposit rates accurate as of 6/29/2026.Any balance	0.12%	$12	No minimum balance to earn dividends. Early withdrawal penalty of $15 applies. Funds released on October 1. Deposit rates accurate as of 6/29/2026.

Sources (3)

All captured Sep 17, 2026

Summer Savings Club

0.12%APYClub$5 to open

Funds become accessible once a year on July 1; automatically renews at maturity unless notified otherwise. A $15 early withdrawal fee applies to each early withdrawal. Dividends calculated, compounded, and credited quarterly on average daily balance. Opening minimum is $5 or $5/payroll. No monthly service fee.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNo minimum balance to earn dividends. Early withdrawal penalty of $15 applies. Funds released on July 1. Deposit rates accurate as of 6/29/2026.Any balance	0.12%	$12	No minimum balance to earn dividends. Early withdrawal penalty of $15 applies. Funds released on July 1. Deposit rates accurate as of 6/29/2026.

Sources (3)

All captured Sep 17, 2026

Youth Savings

0.10%APYKids and teens$5 to open

Available for children and teens up to age 17. Requires one form of ID for opening. Dividends calculated, compounded, and credited quarterly on average daily balance. Opening minimum is $5 or $5/payroll. No monthly maintenance fee.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$25 and upAvailable for members under age 18. Rates accurate as of 6/29/2026 and subject to change.$25 and up	0.10%	$10	Available for members under age 18. Rates accurate as of 6/29/2026 and subject to change.

Sources (4)

All captured Sep 17, 2026

Vacation Account

0.05%APYClub$5 to open

Specialty savings account for vacation goals. Opening minimum is $5 or $5/payroll. Dividends calculated, compounded, and credited quarterly on average daily balance. No monthly service fee.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upRates accurate as of 6/29/2026 and subject to change.$100 and up	0.05%	$5	Rates accurate as of 6/29/2026 and subject to change.

Sources (2)

All captured Sep 17, 2026

Who can join Reliant 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, volunteer, or go to school in Monroe, Ontario, or Wayne County in New York are eligible to join.

Family and household

Immediate family members (including spouse, parents, children, siblings, grandparents, and grandchildren, including step and adoptive relationships, but not in-laws) and household members of eligible individuals are eligible to join.

Other ways

Businesses and other legal entities headquartered in Monroe, Ontario, or Wayne County can open accounts.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

← Reliant Credit Union overview

How Reliant Credit Union’s savings rates compare

Reliant Credit Union savings score

Current savings rates

Round-Up Savings Account

Daily Money Account

Daily Money Savings Account

Savings Dividend

Escrow Account

Insurance Account

Loan Savings

Pledged Savings

Special Savings

Special-purpose accounts

IRA Savings Account

Christmas Club

Summer Savings Club

Youth Savings

Vacation Account

Who can join Reliant Credit Union

Where you live or work

Family and household

Other ways