Credit union · NCUA insured
Saco Valley Credit Union Savings Rates
Saco Valley Credit Union’s best savings rate is 1.16% APY on $10,000, with its High-Yield Savings. Rates checked October 22, 2026.
How Saco Valley Credit Union’s savings rates compare
Compared with banks and credit unions near Portland, ME, where Saco Valley Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Saco Valley Credit Union
1.16%APY
- Minimum
- $1,500
- Earns on $10,000 a year
- $116
High-Yield Savings
Top rate
Lighthouse Credit Union
3.85%APY
- Minimum
- —
- Earns on $10,000 a year
- $385
2nd-highest rate
Northeast Bank
3.50%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $350
Saco Valley Credit Union savings score
86
Savings score
Higher than 73% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.16%
- $100,000 balance$100,0001.61%
- QualifiedQualified1.16%
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 Saco Valley 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.
High-Yield Savings
1.16%APY
Minimum balance of $1,500 required to earn dividends. Par value of one share ($25.00) required to open.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,500 – $10,000 | 0.75% | — |
| $10,000 – $25,000 | 1.16% | $116 |
| $25,000 – $50,000 | 1.26% | — |
| $50,000 – $100,000 | 1.41% | — |
| $100,000 and up | 1.61% | — |
Share
0.15%APY
To open any account, must deposit or already have on deposit at least the par value of one full share ($25.00). Must maintain at least $25.00 membership share.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000 | 0.10% | — | |
| $10,000 and up$25.00 membership share required | 0.15% | $15 | $25.00 membership share required |
Special-purpose accounts
Whiz Kid Share
0.15%APY
Minimum share value of $25 required to open any account. To earn stated APY, minimum daily balance requirements must be met each day of the dividend period. Available for children up to age 18. Earn up to $20 per semester for report card ($20 for all A's, $15 for A's and B's; student must be present).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 2.02% | — |
| $1,000 – $10,000 | 0.10% | — |
| $10,000 and up | 0.15% | $15 |
IRA Club
0.65%APY
Par value of one full share ($25.00) required to open.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.65% | $65 |
Christmas or All-Purpose Club
0.15%APY
Par value of one full share ($25.00) required to open.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.10% | — |
| $10,000 and up | 0.15% | $15 |
Who can join Saco Valley Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, attends school, or worships in Cumberland or York County in Maine.
Family and household
- Membership is open to immediate family members of existing members, including parents, spouse, children, siblings, grandchildren, or grandparents.
Cost to join
- Membership requires opening a savings account with a $25 deposit, reflecting ownership in the credit union.
Membership information collected October 4, 2026.