Credit union · NCUA insured
RiverWorks Credit Union Savings Rates
RiverWorks Credit Union’s best savings rate is 0.15% APY on $10,000, with its Money Market Account. Rates checked October 15, 2026.
How RiverWorks Credit Union’s savings rates compare
Compared with banks and credit unions near Boston, MA-NH, where RiverWorks Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
RiverWorks Credit Union
0.15%APY
- Requires
- None
- Minimum
- $1,500
- Earns on $10,000 a year
- $15
Money Market Account
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
RiverWorks Credit Union savings score
66
Savings score
Higher than 17% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.15%
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 RiverWorks 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
0.15%APY
Tiered rate account. Dividends compounded monthly. No interest penalty for closing account. Balance below $1,500.00 will receive the same rate as the regular savings account. If average daily balance falls below the minimum for that dividend period, you will not earn any dividends during that period. Variable share deposit rate account rates may change after account is opened. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,500 – $2,500If average daily balance falls below the minimum for that dividend period, you will not earn any dividends during that period. | 0.10% | — | If average daily balance falls below the minimum for that dividend period, you will not earn any dividends during that period. |
| $2,500 – $10,000If average daily balance falls below the minimum for that dividend period, you will not earn any dividends during that period. | 0.10% | — | If average daily balance falls below the minimum for that dividend period, you will not earn any dividends during that period. |
| $10,000 – $25,000If average daily balance falls below the minimum for that dividend period, you will not earn any dividends during that period. | 0.15% | $15 | If average daily balance falls below the minimum for that dividend period, you will not earn any dividends during that period. |
| $25,000 – $75,000If average daily balance falls below the minimum for that dividend period, you will not earn any dividends during that period. | 0.30% | — | If average daily balance falls below the minimum for that dividend period, you will not earn any dividends during that period. |
| $75,000 – $100,000If average daily balance falls below the minimum for that dividend period, you will not earn any dividends during that period. | 0.30% | — | If average daily balance falls below the minimum for that dividend period, you will not earn any dividends during that period. |
| $100,000 and upIf average daily balance falls below the minimum for that dividend period, you will not earn any dividends during that period. | 0.30% | — | If average daily balance falls below the minimum for that dividend period, you will not earn any dividends during that period. |
Sources (2)
All captured Oct 5, 2026
Share Savings Account
0.05%APY
Dividends compounded monthly. Statement account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance required to earn disclosed APY is $25.00.$25 and up | 0.05% | $5 | Minimum balance required to earn disclosed APY is $25.00. |
Sources (3)
- rwcu.com/deposits/savings/share-savings-account
- rwcu.com/rates/deposit-product…avings-and-club-accounts
- rwcu.com/deposits/savings
All captured Oct 5, 2026
Special-purpose accounts
IRA Accumulator Savings
0.30%APY
Traditional and Roth IRA savings options available. Interest compounded/credited monthly. Variable share deposit rate account rates may change after account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to earn rate is $25 according to the rate schedule (or $100 per general IRA text). Minimum opening deposit is $5.00.$25 and up | 0.30% | $30 | Minimum balance to earn rate is $25 according to the rate schedule (or $100 per general IRA text). Minimum opening deposit is $5.00. |
Sources (2)
All captured Oct 5, 2026
Fuel Club Account
0.05%APY · 1 term
One year period, September to September. Dividends compounded monthly. Statement account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum balance required to earn disclosed APY is $25.00 | 0.05% | $5 |
Sources (3)
- rwcu.com/deposits/savings/fuel-club-account
- rwcu.com/rates/deposit-product…avings-and-club-accounts
- rwcu.com/deposits/savings
All captured Oct 5, 2026
Holiday Club Account
0.05%APY · 1 term
One year period from October to October. Dividends compounded monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum balance required to earn disclosed APY is $25.00 | 0.05% | $5 |
Sources (3)
- rwcu.com/deposits/savings/holiday-club-account
- rwcu.com/rates/deposit-product…avings-and-club-accounts
- rwcu.com/deposits/savings
All captured Oct 5, 2026
Vacation Club Account
0.05%APY · 1 term
One year period from May to May. Dividends compounded monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum balance required to earn disclosed APY is $25.00 | 0.05% | $5 |
Sources (3)
- rwcu.com/deposits/savings/vacation-club-account
- rwcu.com/rates/deposit-product…avings-and-club-accounts
- rwcu.com/deposits/savings
All captured Oct 5, 2026
Who can join RiverWorks 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 and their families who live or work in Essex County, Middlesex County, or Suffolk County are eligible for membership.
Employers and groups
- All employees of electrical contractors and organizations conducting business with the specified IBEW Union Locals are eligible to join.
- Employees (and their family members/relatives) of General Electric Company in Lynn, Massachusetts, or any affiliated organization are eligible for membership.
- Employees, regular members, and registered apprentices (including family members/relatives) of IBEW Union Local 103 of Greater Boston, MA, Union Local 223 in Brockton, MA, or Union Local 104 in Dedham, MA are eligible for membership.
Membership information collected October 5, 2026.