Credit union · NCUA insured
Spojnia Credit Union Savings Rates
Spojnia Credit Union’s best savings rate is 0.05% APY on $10,000, with its Share (Savings) Account. Rates checked October 16, 2026.
How Spojnia Credit Union’s savings rates compare
Compared with banks and credit unions near Scranton, PA, where Spojnia Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Spojnia Credit Union
0.05%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $5
Share (Savings) Account
Top rate
NET Credit Union
6.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $600
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Spojnia Credit Union savings score
61
Savings score
Higher than 3% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
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 Spojnia 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.
Share (Savings) Account
0.05%APY
An initial share deposit of $5.00 is required. Dividends are declared quarterly by the Board of Directors.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $5Over $5.01. Dividends are declared quarterly by the Board of Directors.Over $5 | 0.05% | $5 | Over $5.01. Dividends are declared quarterly by the Board of Directors. |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Christmas Club
0.51%APY
The club runs for fifty weeks and checks are disbursed October 1. Dividends are calculated by the average daily balance method and posted quarterly. Maximum amount is $5000.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Maximum $5,000.00. The club runs for fifty weeks and checks are disbursed October 1. Dividends are calculated by the average daily balance method and posted quarterly.Up to $5,000 | 0.51% | — | Maximum $5,000.00. The club runs for fifty weeks and checks are disbursed October 1. Dividends are calculated by the average daily balance method and posted quarterly. |
Sources (2)
All captured Sep 17, 2026
Vacation Club
0.51%APY
The club begins in April and runs for fifty weeks. Checks are disbursed each April 1. Dividends are calculated by the average daily balance method and posted quarterly. Maximum amount is $5000.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Maximum $5,000.00. The club begins in April and runs for fifty weeks. Checks are disbursed each April 1. Dividends are calculated by the average daily balance method and posted quarterly.Up to $5,000 | 0.51% | — | Maximum $5,000.00. The club begins in April and runs for fifty weeks. Checks are disbursed each April 1. Dividends are calculated by the average daily balance method and posted quarterly. |
Sources (2)
All captured Sep 17, 2026
Who can join Spojnia Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Branches, districts, affiliates, associations, and organizations of the Polish National Alliance are eligible for membership.
- Policyholders of the Polish National Alliance (having a policy or annuity) are eligible for membership.
- Parishes, affiliated church groups, associations, and organizations of the Polish National Catholic Church are eligible for membership.
Cost to join
- There is no membership fee to join.
- A minimum share deposit of $5.00 is required and must be maintained to remain a member.
Membership information collected October 5, 2026.