Credit union · NCUA insured
Saratoga's Community Federal Credit Union Savings Rates
Saratoga's Community Federal Credit Union’s best savings rate is 0.40% APY on $10,000, with its Money Market CHECKING. Rates checked October 16, 2026.
How Saratoga's Community Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Albany, NY, where Saratoga's Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Saratoga's Community Federal Credit Union
0.40%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $40
Money Market CHECKING
Top rate
NextStep Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $20
- Earns on $10,000 a year
- $400
2nd-highest rate
Pioneer
3.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $350
Saratoga's Community Federal Credit Union savings score
75
Savings score
Higher than 40% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.80%
- QualifiedQualified0.40%
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 Saratoga's Community 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 CHECKING
0.40%APY
Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000. | 0.10% | — | Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000. |
| $2,500 – $10,000Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000. | 0.23% | — | Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000. |
| $10,000 – $25,000Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000. | 0.40% | $40 | Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000. |
| $25,000 – $250,000Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000. | 0.80% | — | Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000. |
| $250,000 and upDividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000. | 0.00% | — | Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000. |
Sources (1)
- saratogafcu.org/Rates/Savings.aspx · captured Sep 17, 2026
Special-purpose accounts
Holiday Club
0.00%APY
Checks are mailed on or after November 1st each year. Any additional withdrawals are subject to an early withdrawal fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Minimum average daily balance to earn dividends is $0.01. | 0.25% | — | Minimum average daily balance to earn dividends is $0.01. |
| $5,000 and up | 0.00% | $0 |
Sources (3)
- saratogafcu.org/Banking/Personal-Accounts/Checking.aspx
- saratogafcu.org/Banking/Person…Savings-Investments.aspx
- saratogafcu.org/Rates/Savings.aspx
All captured Sep 17, 2026
IRA Savings
0.25%APY
Traditional, Roth and Educational IRAs available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividend on average daily balances of $50.00 or more.$50 and up | 0.25% | $25 | Dividend on average daily balances of $50.00 or more. |
Sources (2)
- saratogafcu.org/Banking/Personal-Accounts/Checking.aspx
- saratogafcu.org/Banking/Person…Savings-Investments.aspx
All captured Sep 17, 2026
Savings
0.05%APY
Includes Sub-Accounts, Student Accounts, Special, Escrow, Vacation and Summer Loan Payment Savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividend on average daily balances of $50.00 or more.$50 and up | 0.05% | $5 | Dividend on average daily balances of $50.00 or more. |
Sources (3)
- saratogafcu.org/Banking/Personal-Accounts/Checking.aspx
- saratogafcu.org/Banking/Person…Savings-Investments.aspx
- saratogafcu.org/Rates/Savings.aspx
All captured Sep 17, 2026
Who can join Saratoga's Community Federal Credit Union
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