Credit union · NCUA insured
Ridgedale Federal Credit Union Savings Rates
Ridgedale Federal Credit Union’s best savings rate is 0.40% APY on $10,000, with its Money Market Savings Account. Rates checked October 22, 2026.
How Ridgedale Federal Credit Union’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where Ridgedale Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ridgedale Federal Credit Union
0.40%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $40
Money Market Savings 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
Ridgedale Federal Credit Union savings score
77
Savings score
Higher than 45% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0001.66%
- QualifiedQualified0.40%
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 Ridgedale 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 Savings Account
0.40%APY
Minimum opening deposit of $500. Minimum balance requirement of $500. Withdrawals are limited to 3 per month. Daily compounding of dividends with monthly posting. Membership required (via Financial Fitness Association partnership or Novartis employee/contractor).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $25,000Minimum balance requirement of $500; withdrawals limited to 3 per month. | 0.40% | $40 | Minimum balance requirement of $500; withdrawals limited to 3 per month. |
| $25,000 – $75,000Minimum balance requirement of $500; withdrawals limited to 3 per month. | 0.90% | — | Minimum balance requirement of $500; withdrawals limited to 3 per month. |
| $75,000 – $175,000Minimum balance requirement of $500; withdrawals limited to 3 per month. | 1.66% | — | Minimum balance requirement of $500; withdrawals limited to 3 per month. |
| Over $175,000Minimum balance requirement of $500; withdrawals limited to 3 per month. | 1.92% | — | Minimum balance requirement of $500; withdrawals limited to 3 per month. |
Sources (3)
- ridgedalefcu.org/files/ridgeda…sclosure-July-1-2025.pdf
- ridgedalefcu.org/money-market-accounts
- ridgedalefcu.org/savings-rates
All captured Sep 19, 2026
Share Savings Account
0.05%APY
Membership requires opening a Share Savings Account with a minimum deposit of $5.00 (par value of one share). Join via Financial Fitness Association (FFA) or Novartis Pharmaceuticals employee/contractor. Balances under $100 do not receive dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upBalances under $100 do not receive dividends. Dividend rate 0.05%. Variable rate, compounded daily and credited monthly.$100 and up | 0.05% | $5 | Balances under $100 do not receive dividends. Dividend rate 0.05%. Variable rate, compounded daily and credited monthly. |
Sources (3)
- ridgedalefcu.org/files/ridgeda…sclosure-July-1-2025.pdf
- ridgedalefcu.org/share-savings-account
- ridgedalefcu.org/all-rates
All captured Sep 19, 2026
Special-purpose accounts
Vacation Club
0.27%APY
No monthly service charge. No minimum balance required to maintain, but $5.00 minimum balance required to earn disclosed APY / open. Early closure fee is $10.00. Withdrawals under $200 have a $10.00 fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividend rate 0.27%. In order to earn the disclosed APY, must maintain an average daily balance at least equal to $100.00 during each dividend period. Early closure fee $10.00; withdrawals under $200 have a $10.00 fee.$100 and up | 0.27% | $27 | Dividend rate 0.27%. In order to earn the disclosed APY, must maintain an average daily balance at least equal to $100.00 during each dividend period. Early closure fee $10.00; withdrawals under $200 have a $10.00 fee. |
Sources (3)
- ridgedalefcu.org/club-accounts
- ridgedalefcu.org/files/ridgeda…sclosure-July-1-2025.pdf
- ridgedalefcu.org/all-rates
All captured Sep 19, 2026
Holiday Club
0.20%APY
No monthly service charge. No minimum balance required to maintain, but $5.00 minimum balance required to earn disclosed APY / open. Early closure fee is $10.00. Withdrawals under $200 have a $10.00 fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividend rate 0.20%. In order to earn the disclosed APY, must maintain an average daily balance at least equal to $100.00 during each dividend period. Early closure fee $10.00; withdrawals under $200 have a $10.00 fee.$100 and up | 0.20% | $20 | Dividend rate 0.20%. In order to earn the disclosed APY, must maintain an average daily balance at least equal to $100.00 during each dividend period. Early closure fee $10.00; withdrawals under $200 have a $10.00 fee. |
Sources (3)
- ridgedalefcu.org/club-accounts
- ridgedalefcu.org/files/ridgeda…sclosure-July-1-2025.pdf
- ridgedalefcu.org/all-rates
All captured Sep 19, 2026
Who can join Ridgedale Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.