Credit union · NCUA insured
SJP Federal Credit Union Savings Rates
Top CarrotSJP Federal Credit Union’s best savings rate is 3.56% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How SJP Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Buffalo, NY, where SJP Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SJP Federal Credit Union
3.56%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $356
Money Market Account
Top rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
SJP Federal Credit Union savings score
96
Savings score
Higher than 98% of U.S. banks and credit unions
- $1,000 balance$1,0003.56%
- $10,000 balance$10,0003.56%
- $100,000 balance$100,0003.56%
- QualifiedQualified3.56%
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 SJP 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 Account
3.56%APY
Variable rate account; rates may change after account opening. Dividends are compounded and credited monthly; accounts must remain open through the end of the dividend period to receive accrued dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upApplies to balances of $500 and above. Anticipated monthly dividends that may change based on market conditions.$500 and up | 3.56% | $356 | Applies to balances of $500 and above. Anticipated monthly dividends that may change based on market conditions. |
Sources (1)
- sjpfcu.org/rates/savings-rates · captured Oct 5, 2026
Savings Account
0.25%APY
Variable rate account; rates may change after account opening. Dividends are compounded and credited monthly; accounts must remain open through the end of the dividend period to receive accrued dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded and credited monthly; account must remain open through month-end to receive dividends.$100 and up | 0.25% | $25 | Dividends compounded and credited monthly; account must remain open through month-end to receive dividends. |
Sources (1)
- sjpfcu.org/rates/savings-rates · captured Oct 5, 2026
Special-purpose accounts
Youth Savings Account
6.17%APY
Designed for youth with custodian/parent. Membership eligibility applies.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Promotional rate paid on the first $10,000.00. Balances in excess of $10,000.00 earn dividends at the regular Money Market rate. No minimum balance required to earn dividends. Dividends are paid monthly.Up to $10,000 | 6.17% | $617 | Promotional rate paid on the first $10,000.00. Balances in excess of $10,000.00 earn dividends at the regular Money Market rate. No minimum balance required to earn dividends. Dividends are paid monthly. |
Sources (2)
All captured Oct 5, 2026
Club Accounts
0.05%APY
Variable rate account; rates may change after account opening. Dividends are compounded and credited monthly; accounts must remain open through the end of the dividend period to receive accrued dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Dividends compounded and credited monthly; account must remain open through month-end to receive dividends. | 3.56% | — | Dividends compounded and credited monthly; account must remain open through month-end to receive dividends. |
| Over $5,000Applies to balances over $5,000.00. Dividends compounded and credited monthly; account must remain open through month-end to receive dividends. | 0.05% | $5 | Applies to balances over $5,000.00. Dividends compounded and credited monthly; account must remain open through month-end to receive dividends. |
Sources (1)
- sjpfcu.org/rates/savings-rates · captured Oct 5, 2026
IRA
3.56%APY
Variable rate account; rates may change after account opening. Dividends are compounded and credited monthly; accounts must remain open through the end of the dividend period to receive accrued dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upDividends compounded and credited monthly; account must remain open through month-end to receive dividends.$500 and up | 3.56% | $356 | Dividends compounded and credited monthly; account must remain open through month-end to receive dividends. |
Sources (1)
- sjpfcu.org/rates/savings-rates · captured Oct 5, 2026
Who can join SJP Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.