Credit union · NCUA insured
S. Middlesex FCU Savings Rates
Top CarrotS. Middlesex FCU’s best savings rate is 1.90% APY on $10,000, with its Money Management Savings. Rates checked October 22, 2026.
How S. Middlesex FCU’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where S. Middlesex FCU has the most branches. $10,000, best rate first.
This credit union’s best
S. Middlesex FCU
1.90%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $190
Money Management Savings
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
S. Middlesex FCU savings score
88
Savings score
Higher than 83% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.90%
- $100,000 balance$100,0002.40%
- QualifiedQualified1.90%
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 S. Middlesex FCU 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 Management Savings
1.90%APY
Sub-account 07 must be established at member request and monies deposited to benefit from higher dividend rates. Dividends calculated on the average daily balance method and posted quarterly. Minimum daily balance of $5.00 required each day to earn a dividend.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $24,999 | 1.90% | $190 |
| $25,000 – $74,999 | 2.15% | — |
| $75,000 and up | 2.40% | — |
Sources (3)
All captured Oct 4, 2026
Extra Savings Account
0.05%APY
Can be used to save for any purpose. Deposited money is available at any time during the year. Must maintain a minimum daily balance of $5.00 each day to earn a dividend.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMust maintain a minimum daily balance of $5.00 in your account each day to earn a dividend. Dividends calculated on average daily balance method and posted quarterly. Shared club account rate schedule.$5 and up | 0.05% | $5 | Must maintain a minimum daily balance of $5.00 in your account each day to earn a dividend. Dividends calculated on average daily balance method and posted quarterly. Shared club account rate schedule. |
Miscellaneous Savings Account
0.05%APY
Can be used to save for any purpose. Deposited money is available at any time during the year. Must maintain a minimum daily balance of $5.00 each day to earn a dividend.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMust maintain a minimum daily balance of $5.00 in your account each day to earn a dividend. Dividends calculated on average daily balance method and posted quarterly. Shared club account rate schedule.$5 and up | 0.05% | $5 | Must maintain a minimum daily balance of $5.00 in your account each day to earn a dividend. Dividends calculated on average daily balance method and posted quarterly. Shared club account rate schedule. |
Rainy Day Account
0.05%APY
Can be used to save for any purpose. Deposited money is available at any time during the year. Must maintain a minimum daily balance of $5.00 each day to earn a dividend.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMust maintain a minimum daily balance of $5.00 in your account each day to earn a dividend. Dividends calculated on average daily balance method and posted quarterly. Shared club account rate schedule.$5 and up | 0.05% | $5 | Must maintain a minimum daily balance of $5.00 in your account each day to earn a dividend. Dividends calculated on average daily balance method and posted quarterly. Shared club account rate schedule. |
Regular Shares (Savings)
0.05%APY
Automatically opened when becoming a member. Requires maintaining a $5.00 balance throughout membership. Must maintain a minimum daily balance of $5.00 each day to earn a dividend. ATM withdrawal access with a Visa Debit card.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMust maintain a minimum daily balance of $5.00 in your account each day to earn a dividend. Dividends calculated on average daily balance method and posted quarterly.$5 and up | 0.05% | $5 | Must maintain a minimum daily balance of $5.00 in your account each day to earn a dividend. Dividends calculated on average daily balance method and posted quarterly. |
Summer Savings Account
0.05%APY
Used to save for the summer. Deposited money is available at any time during the year. ATM withdrawal access with a Visa Debit card. Must maintain a minimum daily balance of $5.00 each day to earn a dividend.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMust maintain a minimum daily balance of $5.00 in your account each day to earn a dividend. Dividends calculated on average daily balance method and posted quarterly. Shared club account rate schedule.$5 and up | 0.05% | $5 | Must maintain a minimum daily balance of $5.00 in your account each day to earn a dividend. Dividends calculated on average daily balance method and posted quarterly. Shared club account rate schedule. |
Special-purpose accounts
Christmas Club Account
0.05%APY
Used to save for the holiday season. Deposited money is available at any time during the year. Must request a withdrawal at holiday time. Must maintain a minimum daily balance of $5.00 each day to earn a dividend.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMust maintain a minimum daily balance of $5.00 in your account each day to earn a dividend. Dividends calculated on average daily balance method and posted quarterly. Shared club account rate schedule.$5 and up | 0.05% | $5 | Must maintain a minimum daily balance of $5.00 in your account each day to earn a dividend. Dividends calculated on average daily balance method and posted quarterly. Shared club account rate schedule. |
Who can join S. Middlesex FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Contractual employees of designated public school districts in Middlesex County are eligible for membership.
Family and household
- Immediate family members of a Credit Union member are eligible for membership.
Membership information collected October 5, 2026.