Credit union · NCUA insured
St. Jean's Credit Union Savings Rates
Top CarrotSt. Jean's Credit Union’s best savings rate is 1.25% APY on $10,000, with its Super Money Market. Rates checked October 15, 2026.
How St. Jean's Credit Union’s savings rates compare
Compared with banks and credit unions near Boston, MA-NH, where St. Jean's Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
St. Jean's Credit Union
1.25%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $125
Super Money Market
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
St. Jean's Credit Union savings score
86
Savings score
Higher than 74% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.25%
- $100,000 balance$100,0001.75%
- QualifiedQualified1.25%
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 St. Jean's 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.
Super Money Market
1.25%APY
If the average daily balance for a statement period falls below $2,500, the dividend for that statement period will be calculated using the applicable regular savings rate. If the average daily balance for a statement period falls below $10,000, the dividend for that statement period will be calculated using the applicable regular money market account rate. Limited check writing access.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $50,000Minimum deposit to earn rate is $10,000. | 1.25% | $125 | Minimum deposit to earn rate is $10,000. |
| $50,000 – $100,000Minimum deposit to earn rate is $50,000. | 1.50% | — | Minimum deposit to earn rate is $50,000. |
| $100,000 and upMinimum deposit to earn rate is $100,000. | 1.75% | — | Minimum deposit to earn rate is $100,000. |
Money Market
0.30%APY
If the average daily balance for a statement period falls below $2,500, the dividend for that statement period will be calculated using the applicable regular savings rate. Limited check writing access.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum deposit to earn rate is $2,500.$2,500 and up | 0.30% | $30 | Minimum deposit to earn rate is $2,500. |
Regular Savings
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
NOW Accounts
0.05%APY
Rates subject to change daily and may change after the account is opened. APY assumes all funds remain on deposit for 365 days.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- stjeanscu.com/deposit-rates · captured Sep 18, 2026
Special-purpose accounts
Money Market IRA
0.30%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.30% | $30 |
Sources (1)
- stjeanscu.com/deposit-rates · captured Oct 9, 2026
Holiday Club
0.10%APY
Receive funds on October 1st through automatic transfer to another St. Jean's account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFunds disbursed on October 1st via automatic transfer.Any balance | 0.10% | $10 | Funds disbursed on October 1st via automatic transfer. |
Vacation Club
0.10%APY
Funds are disbursed two times per year at member request, not to exceed twice per calendar year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDisbursed up to twice per calendar year at request.Any balance | 0.10% | $10 | Disbursed up to twice per calendar year at request. |
Who can join St. Jean's 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 or work in Essex, Middlesex, or Suffolk Counties of the Commonwealth of Massachusetts are eligible to join.
Employers and groups
- Employees of H.P. Hood are eligible for membership.
Military, government and schools
- Retirees of the City of Revere and the Town of Winthrop, Massachusetts are eligible to join.
Family and household
- Immediate family members, defined as spouse, son, daughter, mother, father, sister, or brother, are eligible for membership.
Cost to join
- Membership requires opening a Primary Share Account with an initial deposit of at least $25.00 representing the member's share.
Membership information collected October 5, 2026.