Credit union · NCUA insured
Rutgers Federal Credit Union Savings Rates
Rutgers Federal Credit Union’s best savings rate is 0.20% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Rutgers Federal Credit Union’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where Rutgers Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Rutgers Federal Credit Union
0.20%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $20
Money Market
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
Rutgers Federal Credit Union savings score
69
Savings score
Higher than 23% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.20%
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 Rutgers 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
0.20%APY
Requires a Minimum Deposit for stated dividend. Minimum of $5 required in Primary Savings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $24,999Requires a Minimum Deposit for stated dividend. Minimum of $5 required in Primary Savings | 0.20% | $20 | Requires a Minimum Deposit for stated dividend. Minimum of $5 required in Primary Savings |
| $25,000 – $74,999Requires a Minimum Deposit for stated dividend. Minimum of $5 required in Primary Savings | 0.25% | — | Requires a Minimum Deposit for stated dividend. Minimum of $5 required in Primary Savings |
| $75,000 – $124,999Requires a Minimum Deposit for stated dividend. Minimum of $5 required in Primary Savings | 0.40% | — | Requires a Minimum Deposit for stated dividend. Minimum of $5 required in Primary Savings |
| $125,000 and upRequires a Minimum Deposit for stated dividend. Minimum of $5 required in Primary Savings | 0.45% | — | Requires a Minimum Deposit for stated dividend. Minimum of $5 required in Primary Savings |
Sources (1)
- rutgersfcu.org/home/personal-banking/savings-rates · captured Sep 19, 2026
Share Savings Account
0.10%APY
Requires a minimum opening deposit of $5.00. No limit on the number of in-person withdrawals or transfers. Dividend Rate and Annual Percentage Yield may change at any time as determined by the Credit Union Board of Directors.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upInterest/dividends paid on balances of $250.00 or more.$250 and up | 0.10% | $10 | Interest/dividends paid on balances of $250.00 or more. |
Sources (2)
- rutgersfcu.org/home/personal-banking/savings-rates
- rutgersfcu.org/home/personal-banking/share-savings
All captured Sep 19, 2026
Special-purpose accounts
Holiday Club Account
0.10%APY
Early withdrawal penalties apply. Dividends are not payable until maturity. Account matures November 1st, and funds are transferred into your Share account. Dividend Rate and APY may change at any time.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends not payable until maturity; early withdrawal penalties apply.Any balance | 0.10% | $10 | Dividends not payable until maturity; early withdrawal penalties apply. |
Sources (2)
- rutgersfcu.org/home/personal-banking/savings-rates
- rutgersfcu.org/home/personal-banking/share-savings
All captured Sep 19, 2026
ME Club Account
0.10%APY
Account matures quarterly and allows you to choose your money release date. Early withdrawal penalties apply. Dividends are not payable until maturity. Dividend Rate and APY may change at any time.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends not payable until maturity; early withdrawal penalties apply.Any balance | 0.10% | $10 | Dividends not payable until maturity; early withdrawal penalties apply. |
Sources (2)
- rutgersfcu.org/home/personal-banking/savings-rates
- rutgersfcu.org/home/personal-banking/share-savings
All captured Sep 19, 2026
Vacation Club Account
0.10%APY
Early withdrawal penalties apply. Dividends are not payable until maturity. Account matures April 1st, and funds are transferred into your Share account. Dividend Rate and APY may change at any time.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends not payable until maturity; early withdrawal penalties apply.Any balance | 0.10% | $10 | Dividends not payable until maturity; early withdrawal penalties apply. |
Sources (2)
- rutgersfcu.org/home/personal-banking/savings-rates
- rutgersfcu.org/home/personal-banking/share-savings
All captured Sep 19, 2026
Who can join Rutgers Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Rutgers Council of AAUP Chapter is eligible for membership.
- Employees of Rutgers Federal Credit Union are eligible for membership.
- Rutgers University Foundation is eligible for membership.
Military, government and schools
- Employees of Rutgers University are eligible for membership.
- Students attending Rutgers, the State University of New Jersey, headquartered in New Brunswick, NJ, and limited to those living in New Jersey are eligible for membership.
Family and household
- Immediate family or household members of a credit union member are eligible for membership.
2 more ways to join
Family and household
- Spouses of persons who died while within the field of membership of RFCU are eligible for membership.
Other ways
- Retired pensioners and annuitants are eligible for membership.
Cost to join
- Requires a $5.00 cash deposit into a share savings account via deposit or payroll deduction to open membership.
Membership information collected October 5, 2026.