Credit union · NCUA insured
SECNY Federal Credit Union Savings Rates
SECNY Federal Credit Union’s best savings rate is 0.05% APY on $10,000, with its Regular Share Account. Rates checked October 16, 2026.
How SECNY Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Syracuse, NY, where SECNY Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SECNY Federal Credit Union
0.05%APY
- Minimum
- $5
- Earns on $10,000 a year
- $5
Regular Share Account
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
SECNY Federal Credit Union savings score
61
Savings score
Higher than 3% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
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 SECNY 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.
Save2Own
3.00%APY
First-time homebuyer share savings account. Must be a SECNY member and not a current homeowner. All funds must be used to purchase a home through SECNY. Account transfers and withdrawal limitations apply (no transfers/withdrawals to another account or third party by preauthorized, automatic, Internet, phone, check, draft, or debit card).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upDividends compounded and credited quarterly based on average daily balance. Minimum average daily balance of $1,000 required to earn stated APY.$1,000 and up | 3.00% | $300 | Dividends compounded and credited quarterly based on average daily balance. Minimum average daily balance of $1,000 required to earn stated APY. |
Regular Share Account
0.05%APY
Minimum balance of $5 must be maintained to keep the account open ($5 initial member share deposit). Minimum $100 balance to earn dividends/interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded and credited quarterly based on average daily balance. Minimum $100 average daily balance to earn stated APY.$100 and up | 0.05% | $5 | Dividends compounded and credited quarterly based on average daily balance. Minimum $100 average daily balance to earn stated APY. |
Sources (5)
- secny.org/interest-rates-on-sa…ccounts-near-syracuse-ny
- secny.org/legal-disclosures/truth-in-savings-disclosure
- secny.org/best-savings-accounts-near-syracuse-ny
- secny.org/checking-and-savings…/open-a-personal-account
- secny.org/mortgage-rates-syrac…ce-schedule-fee-schedule
All captured Oct 16, 2026
Special-purpose accounts
Club (Save2Grow)
0.05%APY
Youth savings program/account designed for kids ages 0-12.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $500Tier for balances from $100 to $500. | 3.00% | — | Tier for balances from $100 to $500. |
| Over $500Tier for balances greater than $500.01. | 0.05% | $5 | Tier for balances greater than $500.01. |
Money Mammals Kids' Club Account
0.05%APY
Designed for kids ages 0-12. No monthly fees. Includes access to the SECNY Save2Grow program.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $500Save2Grow program rate tier for balances $100-$500. | 3.00% | — | Save2Grow program rate tier for balances $100-$500. |
| Over $500Save2Grow program rate tier for balances >$500.01. | 0.05% | $5 | Save2Grow program rate tier for balances >$500.01. |
HSA Savings
1.50%APY
Health Savings Account for individuals covered under a qualifying HDHP, not enrolled in Medicare, with no other first-dollar medical coverage and not claimed as a dependent. Minimum $100 to earn interest/dividend.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum $100 balance required to earn interest. Anticipated dividend for 4th Quarter 2026 declared quarterly by the Board of Directors.$100 and up | 1.50% | $150 | Minimum $100 balance required to earn interest. Anticipated dividend for 4th Quarter 2026 declared quarterly by the Board of Directors. |
Coverdell ESA Activity Account
0.20%APY
Coverdell Education Savings Account (ESA) activity account to save for child's education expenses. Shares rates and terms with IRA activity account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000Tier for balances $100 - $9,999.99. Dividends compounded and credited quarterly based on average daily balance. | 0.10% | — | Tier for balances $100 - $9,999.99. Dividends compounded and credited quarterly based on average daily balance. |
| $10,000 and upTier for balances greater than $10,000. Dividends compounded and credited quarterly based on average daily balance. | 0.20% | $20 | Tier for balances greater than $10,000. Dividends compounded and credited quarterly based on average daily balance. |
IRA Activity Account
0.20%APY
Open IRA activity account for retirement funds (includes Traditional IRA and Roth IRA wrappers). Roth Activity Account has same rates and terms.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000Tier for balances $100 - $9,999.99. Dividends compounded and credited quarterly based on average daily balance. | 0.10% | — | Tier for balances $100 - $9,999.99. Dividends compounded and credited quarterly based on average daily balance. |
| $10,000 and upTier for balances greater than $10,000. Dividends compounded and credited quarterly based on average daily balance. | 0.20% | $20 | Tier for balances greater than $10,000. Dividends compounded and credited quarterly based on average daily balance. |
Club (Holiday)
0.05%APY
Specialized savings account designed to save for Christmas/holidays.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded and credited quarterly based on average daily balance. Minimum $100 average daily balance to earn stated APY.$100 and up | 0.05% | $5 | Dividends compounded and credited quarterly based on average daily balance. Minimum $100 average daily balance to earn stated APY. |
Club (Vacation)
0.05%APY
Specialized savings account designed to save for vacations.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded and credited quarterly based on average daily balance. Minimum $100 average daily balance to earn stated APY.$100 and up | 0.05% | $5 | Dividends compounded and credited quarterly based on average daily balance. Minimum $100 average daily balance to earn stated APY. |
Who can join SECNY Federal 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 persons working, living, worshipping, attending school, businesses, and legal entities in Onondaga, Madison, Oswego, and Cayuga counties.
Family and household
- Membership is open to immediate family of current members (including spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings, and adoptive relationships) or household members living in the same residence and maintaining a single economic unit.
Membership information collected October 5, 2026.