Credit union · NCUA insured
Southern Chautauqua Federal Credit Union Savings Rates
Southern Chautauqua Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market Savings. Rates checked October 16, 2026.
How Southern Chautauqua Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Jamestown, NY, where Southern Chautauqua Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Southern Chautauqua Federal Credit Union
0.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $25
Money Market Savings
Top rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Greater Chautauqua Federal Credit Union
3.39%APY
- Minimum
- $25
- Earns on $10,000 a year
- $339
Southern Chautauqua Federal Credit Union savings score
71
Savings score
Higher than 28% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.95%
- QualifiedQualified0.25%
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 Southern Chautauqua 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 Savings
0.25%APY
Tiered rate structure where each dividend rate applies only to that portion of the account within each balance range. Minimum actual balance of $2,500 required to earn dividends; falling below minimum causes account closure (eligible to reopen following quarter). Maximum 4 withdrawals or transfer withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Tier 1 rate applied to average daily balances from $2,500.00 to $10,000.00. | 0.25% | $25 | Tier 1 rate applied to average daily balances from $2,500.00 to $10,000.00. |
| $10,000 – $50,000Tier 2 rate applied to average daily balances from $10,000.01 to $50,000.00. | 0.50% | — | Tier 2 rate applied to average daily balances from $10,000.01 to $50,000.00. |
| $50,000 – $75,000Tier 3 rate applied to average daily balances from $50,000.01 to $75,000.00. | 0.65% | — | Tier 3 rate applied to average daily balances from $50,000.01 to $75,000.00. |
| $75,000 – $125,000Tier 4 rate applied to average daily balances from $75,000.01 to $125,000.00. | 0.95% | — | Tier 4 rate applied to average daily balances from $75,000.01 to $125,000.00. |
| Over $125,000Tier 5 rate applied to average daily balances of $125,000.01 and over. | 0.15% | — | Tier 5 rate applied to average daily balances of $125,000.01 and over. |
Sources (1)
- 665-7000.com/current-rates/savings · captured Sep 17, 2026
Membership Savings Account
0.05%APY
Share 1 account holding initial $25 deposit throughout membership. Part ownership in financial cooperative.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$25 Minimum Balance Required.$25 and up | 0.05% | $5 | $25 Minimum Balance Required. |
Special-purpose accounts
Christmas Club
0.05%APY
Holiday Club matures October 1. Early withdrawal fee is $15 and forfeiture of accrued interest. Dividends calculated on average daily balance, paid and compounded annually.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $3,500No minimum, up to $3,500. Penalty for early withdrawal. | 0.20% | — | No minimum, up to $3,500. Penalty for early withdrawal. |
| Over $3,500Applies to club balances of $3,500.01 and over. Penalty for early withdrawal. | 0.05% | $5 | Applies to club balances of $3,500.01 and over. Penalty for early withdrawal. |
Sources (2)
All captured Sep 17, 2026
Tax Savings Club
0.05%APY
Sub-types include Country (Matures January 1), Income (Matures April 1), and School (Matures September 1). Early withdrawal fee is $15 and forfeiture of accrued interest. Dividends calculated on average daily balance, paid and compounded annually.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $3,500No minimum, up to $3,500. Penalty for early withdrawal. | 0.20% | — | No minimum, up to $3,500. Penalty for early withdrawal. |
| Over $3,500Applies to club balances of $3,500.01 and over. Penalty for early withdrawal. | 0.05% | $5 | Applies to club balances of $3,500.01 and over. Penalty for early withdrawal. |
Sources (2)
All captured Sep 17, 2026
Vacation Club
0.05%APY
Matures July 1. Early withdrawal fee is $15 and forfeiture of accrued interest. Dividends calculated on average daily balance, paid and compounded annually.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $3,500No minimum, up to $3,500. Penalty for early withdrawal. | 0.20% | — | No minimum, up to $3,500. Penalty for early withdrawal. |
| Over $3,500Applies to club balances of $3,500.01 and over. Penalty for early withdrawal. | 0.05% | $5 | Applies to club balances of $3,500.01 and over. Penalty for early withdrawal. |
Sources (2)
All captured Sep 17, 2026
IRA Accumulation
0.10%APY
IRA savings account with no fixed term or minimum balance. Penalty for early withdrawal may apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance, no term. Penalty for early withdrawal.Any balance | 0.10% | $10 | No minimum balance, no term. Penalty for early withdrawal. |
Sources (2)
All captured Sep 17, 2026
Who can join Southern Chautauqua 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
- People who live, work, worship, attend school, do business and any other entities within Chautauqua County, New York are eligible for membership.
Employers and groups
- Employees of the credit union and volunteers in the community are eligible for membership.
- Organizations of eligible persons are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, adopted individuals) and household members of eligible persons or joined members are eligible to join.
Other ways
- Spouses of persons who died while within the field of membership of the credit union are eligible for membership.
Membership information collected October 5, 2026.