Credit union · NCUA insured
Solutions Credit Union Savings Rates
Solutions Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market Accounts. Rates checked October 16, 2026.
How Solutions Credit Union’s savings rates compare
Compared with banks and credit unions near Elmira, NY, where Solutions Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Solutions Credit Union
1.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $100
Money Market Accounts
Top rate
Five Star Bank
2.75%APY
- Minimum
- $10,000
- Earns on $10,000 a year
- $275
2nd-highest rate
Empower Federal Credit Union
1.15%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $115
Solutions Credit Union savings score
85
Savings score
Higher than 70% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.00%
- QualifiedQualified1.00%
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 Solutions 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 Accounts
1.00%APY
Minimum balance required to maintain a money market account is $2,500. Dividends are paid quarterly based on the daily average balance. No restrictions on deposits or withdrawals. If balance falls below minimum, account will be closed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and up$2,500.00 minimum$2,500 and up | 1.00% | $100 | $2,500.00 minimum |
Sources (3)
- solutionscu.org/accounts
- solutionscu.org/accounts/current-rates
- solutionscu.org/accounts/money-market-accounts
All captured Sep 17, 2026
Share Savings Account
0.30%APY
Rate tier: 0.10% over $20,000 (p3). Account balance of $100.00 or more required to earn dividends (p8).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAPR/APY .30% with 0.10% over $20,000.Any balance | 0.30% | $30 | APR/APY .30% with 0.10% over $20,000. |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Accounts
2.02%APY
Solutions CU offers two types of IRAs (Traditional and Roth). Compounded interest. Traditional IRA: must be under age 70 1/2 and have compensation; 2025 contribution limit is $7,000 ($8,000 over age 50); tax-deductible/deferred; distributions must begin at age 73. Roth IRA: earned income required; no age restriction; contributions not tax-deductible; no required minimum distribution.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 2.02% | $202 |
Sources (2)
All captured Sep 17, 2026
Club Accounts
0.30%APY
Save for a specific goal or purpose (like a vacation, or for the Holidays).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $20,000 | 0.30% | $30 |
Sources (1)
- solutionscu.org/accounts · captured Sep 17, 2026
Who can join Solutions 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 anyone who lives, works, or worships in Chemung, Steuben, Schuyler, Tompkins, or Tioga counties in New York State, or Bradford and Tioga counties in Pennsylvania.
Employers and groups
- Membership is open to employees of the credit union.
Family and household
- Membership is open to any family members of current members by blood, marriage, adoption, or foster care.
- Membership is open to spouses of persons who died while members of the credit union.
Other ways
- Membership is open to organizations of eligible persons.
- Membership is open to persons retired as pensioners or annuitants from the geographic service area.
Cost to join
- Members must maintain a minimum balance of $10 in a share savings account.
Membership information collected October 5, 2026.