Credit union · NCUA insured
Rome Federal Credit Union Savings Rates
Rome Federal Credit Union’s best savings rate is 0.51% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Rome Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Utica, NY, where Rome Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Rome Federal Credit Union
0.51%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $51
Money Market
Top rate
Beacon Bank
3.20%APY
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000 a year
- $320
2nd-highest rate
Bank of Utica
2.30%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $230
Rome Federal Credit Union savings score
80
Savings score
Higher than 52% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.51%
- $100,000 balance$100,0000.51%
- QualifiedQualified0.51%
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 Rome 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
0.51%APY
Minimum balance of $2,000.00 required at all times. Members are allowed up to three (3) withdrawals per month and each withdrawal must be a minimum of $250.00. Dividends are compounded monthly and paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 and upAccount withdrawal limitations apply (up to 3 withdrawals per month, minimum $250.00 per withdrawal). Minimum balance to obtain APY is $2,000.00.$2,000 and up | 0.51% | $51 | Account withdrawal limitations apply (up to 3 withdrawals per month, minimum $250.00 per withdrawal). Minimum balance to obtain APY is $2,000.00. |
Savings
0.25%APY
A minimum deposit of $25.00 is required to become a member. Dividends are earned on balances over $50.00 and are compounded and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 0.25% | $25 |
Special-purpose accounts
IRA
0.51%APY
Traditional, Roth, and Educational IRAs offered with no annual maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 and up | 0.51% | $51 |
Christmas Club
0.25%APY
Dividends are earned on balances over $50.00 and compounded and paid monthly. Balances are automatically transferred to regular share account on October 31st each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upAccount withdrawal limitations apply.$50 and up | 0.25% | $25 | Account withdrawal limitations apply. |
Vacation Club
0.25%APY
Earns the same dividend rate as the savings (share) account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 0.25% | $25 |
Who can join Rome Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.