Credit union · NCUA insured
SNIFCU Savings Rates
SNIFCU’s best savings rate is 1.50% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How SNIFCU’s savings rates compare
Compared with banks and credit unions near Buffalo, NY, where SNIFCU has the most branches. $10,000, best rate first.
This credit union’s best
SNIFCU
1.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $150
Money Market
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
SNIFCU savings score
87
Savings score
Higher than 76% of U.S. banks and credit unions
- $10,000 balance$10,0001.50%
- $100,000 balance$100,0002.00%
- QualifiedQualified1.50%
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 SNIFCU 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
1.50%APY
Requires minimum deposit of $2,500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $25,000Balance tier: $2,500.00 to $24,999.99 | 1.50% | $150 | Balance tier: $2,500.00 to $24,999.99 |
| $25,000 and upBalance tier: $25,000.00 and Over | 2.00% | — | Balance tier: $25,000.00 and Over |
Sources (3)
All captured Sep 17, 2026
Who can join SNIFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Seneca Gaming and Entertainment, Seneca Nation Enterprises, or Seneca Construction Management Corporation are eligible for membership.
- Employees of the Seneca Gaming Corporation and its subsidiaries are eligible for membership.
- Enrolled members of the Seneca Nation of Indians are eligible for membership.
Military, government and schools
- Employees of the Seneca Nation of Indians are eligible for membership.
Family and household
- Immediate family or household members of a current SNIFCU member are eligible for membership.
Cost to join
- A minimum deposit of at least $5 is required to open a share account.
Membership information collected October 5, 2026.