Credit union · NCUA insured
Spencerport Federal Credit Union Savings Rates
Spencerport Federal Credit Union’s best savings rate is 0.75% APY on $10,000, with its Money Market Share. Rates checked October 16, 2026.
How Spencerport Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Rochester, NY, where Spencerport Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Spencerport Federal Credit Union
0.75%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $75
Money Market Share
Top rate
Family First Federal Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Spencerport Federal Credit Union savings score
81
Savings score
Higher than 54% of U.S. banks and credit unions
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0000.90%
- QualifiedQualified0.75%
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 Spencerport 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 Share
0.75%APY
Variable rate account; dividend rate and APY may change monthly (every 30 days). Dividends compounded and credited quarterly on the ledger balance using the daily balance method. Minimum initial deposit and minimum account balance is $2,000.00. Minimum deposit is $100.00. Minimum withdrawal is $500.00 with a maximum of 3 withdrawals per month. If the account drops below $2,000.00, it is closed and transferred to a regular share account, and dividends are not paid for any month in which the balance falls below $2,000.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,999Dividends will not be paid for any month in which the balance falls below the $2000.00 minimum, and the account will be closed and transferred to regular share account. | 0.03% | — | Dividends will not be paid for any month in which the balance falls below the $2000.00 minimum, and the account will be closed and transferred to regular share account. |
| $2,000 – $9,999 | 0.50% | — | |
| $10,000 – $24,999 | 0.75% | $75 | |
| $25,000 and up | 0.90% | — |
Sources (3)
- spnfcu.org/policies/truth-in-savings-disclosure.php
- spnfcu.org/share-accounts/money-market-share.php
- spnfcu.org/share-accounts/share-rates.php
All captured Oct 5, 2026
Who can join Spencerport 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
- Individuals who live, work, worship, or attend school in Monroe or Orleans Counties, NY are eligible for membership.
Family and household
- Immediate family members (spouse, child, parent, grandparent, grandchild, sibling, step-parent, step-child, step-sibling) of current members are eligible for membership.
- Household members of current members (persons living in the same residence maintaining a single economic unit) are eligible for membership.
- The spouse of someone who died while part of the Spencerport Federal Credit Union field of membership is eligible to join.
Other ways
- Individuals who actively volunteer within communities in Monroe or Orleans Counties, NY are eligible for membership.
Cost to join
- Requires opening a Share Savings Account with an initial deposit of at least $20.
Membership information collected October 5, 2026.