Credit union · NCUA insured
Salt City Federal Credit Union Savings Rates
Top CarrotSalt City Federal Credit Union’s best savings rate is 0.35% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Salt City Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Syracuse, NY, where Salt City Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Salt City Federal Credit Union
0.35%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $35
Money Market
Top rate
Canandaigua National Bank
3.15%APY
- Minimum
- $0
- Earns on $10,000 a year
- $315
2nd-highest rate
Ukrainian Federal Credit Union
2.02%APY
- Minimum
- —
- Earns on $10,000 a year
- $202
Salt City Federal Credit Union savings score
73
Savings score
Higher than 35% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.35%
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 Salt City 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
0.35%APY
Compounded and credited monthly. Balances below $2,500 earn the Regular Shares dividend rate. Fees could reduce earnings. Prospective dividend rates. Membership eligibility applies.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upTier 1. Dividend rates are prospective for the period ending 10/31/26. Compounded and credited monthly. Balances below $2,500 earn the Regular Shares dividend rate. Fees could reduce earnings. | 0.35% | $35 | Tier 1. Dividend rates are prospective for the period ending 10/31/26. Compounded and credited monthly. Balances below $2,500 earn the Regular Shares dividend rate. Fees could reduce earnings. |
| $25,000 and upTier 2. Dividend rates are prospective for the period ending 10/31/26. Compounded and credited monthly. Balances below $2,500 earn the Regular Shares dividend rate. Fees could reduce earnings. | 0.40% | — | Tier 2. Dividend rates are prospective for the period ending 10/31/26. Compounded and credited monthly. Balances below $2,500 earn the Regular Shares dividend rate. Fees could reduce earnings. |
| $50,000 and upTier 3. Dividend rates are prospective for the period ending 10/31/26. Compounded and credited monthly. Balances below $2,500 earn the Regular Shares dividend rate. Fees could reduce earnings. | 0.45% | — | Tier 3. Dividend rates are prospective for the period ending 10/31/26. Compounded and credited monthly. Balances below $2,500 earn the Regular Shares dividend rate. Fees could reduce earnings. |
| $100,000 and upTier 4. Dividend rates are prospective for the period ending 10/31/26. Compounded and credited monthly. Balances below $2,500 earn the Regular Shares dividend rate. Fees could reduce earnings. | 0.50% | — | Tier 4. Dividend rates are prospective for the period ending 10/31/26. Compounded and credited monthly. Balances below $2,500 earn the Regular Shares dividend rate. Fees could reduce earnings. |
Personal Savings
0.05%APY
Up to 9 customizable accounts available for all budgeting needs. Compounded and credited quarterly. Fees could reduce earnings. Dividend rates are prospective for the period ending 12/31/26.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded and credited quarterly. Prospective dividend rate for the period ending 12/31/26.Any balance | 0.05% | $5 | Compounded and credited quarterly. Prospective dividend rate for the period ending 12/31/26. |
Sources (3)
- saltcityfcu.org
- saltcityfcu.org/accounts/open-a-personal-account
- saltcityfcu.org/accounts/personal-savings
All captured Oct 5, 2026
Special-purpose accounts
Health Savings Accounts (HSAs)
Up to 0.60%APY
Requires health insurance to be a High Deductible Health Plan (HDHP) to save and pay for qualified medical expenses with pre-tax dollars. No minimum deposit. Compounded and credited quarterly. Fees could reduce earnings. Dividend rates are prospective for the period ending 12/31/26.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTier 1. Compounded and credited quarterly. Prospective dividend rate for the period ending 12/31/26. Requires High Deductible Health Plan (HDHP). | 0.20% | $20 | Tier 1. Compounded and credited quarterly. Prospective dividend rate for the period ending 12/31/26. Requires High Deductible Health Plan (HDHP). |
| $2,500 and upTier 2. Compounded and credited quarterly. Prospective dividend rate for the period ending 12/31/26. Requires High Deductible Health Plan (HDHP). | 0.40% | $40 | Tier 2. Compounded and credited quarterly. Prospective dividend rate for the period ending 12/31/26. Requires High Deductible Health Plan (HDHP). |
| $10,000 and upTier 3. Compounded and credited quarterly. Prospective dividend rate for the period ending 12/31/26. Requires High Deductible Health Plan (HDHP). | 0.60% | $60 | Tier 3. Compounded and credited quarterly. Prospective dividend rate for the period ending 12/31/26. Requires High Deductible Health Plan (HDHP). |
Coverdell Education Savings Accounts (ESAs)
0.15%APY
Balances over $500 eligible for high-yield ESA certificates. Compounded and credited quarterly. Fees could reduce earnings. Dividend rates are prospective for the period ending 12/31/26.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded and credited quarterly. Prospective dividend rate for the period ending 12/31/26.Any balance | 0.15% | $15 | Compounded and credited quarterly. Prospective dividend rate for the period ending 12/31/26. |
Sources (3)
- saltcityfcu.org
- saltcityfcu.org/accounts/personal-savings
- saltcityfcu.org/accounts/youth-accounts/youth-savings
All captured Oct 5, 2026
Individual Retirement Accounts (IRAs) Savings
0.15%APY
Traditional and Roth IRA savings options available. Balances over $1,000 eligible for high-yield IRA certificates. Compounded and credited quarterly. Fees could reduce earnings. Dividend rates are prospective for the period ending 12/31/26.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded and credited quarterly. Prospective dividend rate for the period ending 12/31/26.Any balance | 0.15% | $15 | Compounded and credited quarterly. Prospective dividend rate for the period ending 12/31/26. |
Youth Savings Account
0.05%APY
A joint owner, age 18 or older, is required. Compounded and credited quarterly. Fees could reduce earnings. Dividend rates are prospective for the period ending 12/31/26.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upEarn dividends with a minimum balance of only $5. Requires joint owner age 18 or older. Compounded and credited quarterly. Prospective dividend rate for the period ending 12/31/26.$5 and up | 0.05% | $5 | Earn dividends with a minimum balance of only $5. Requires joint owner age 18 or older. Compounded and credited quarterly. Prospective dividend rate for the period ending 12/31/26. |
Sources (3)
- saltcityfcu.org
- saltcityfcu.org/accounts/open-a-personal-account
- saltcityfcu.org/accounts/youth-accounts/youth-savings
All captured Oct 5, 2026
Who can join Salt City Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.