Credit union · NCUA insured
St. Lawrence FCU Savings Rates
St. Lawrence FCU’s best savings rate is 0.30% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How St. Lawrence FCU’s savings rates compare
Compared with banks and credit unions near Massena, NY, where St. Lawrence FCU has the most branches. $10,000, best rate first.
This credit union’s best
St. Lawrence FCU
1.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $100
Sidekick Plus Share Account
Top rate
North Country Savings Bank
3.56%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $356
2nd-highest rate
Adirondack Federal Credit Union
1.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $125
St. Lawrence FCU savings score
83
Savings score
Higher than 61% of U.S. banks and credit unions
- $1,000 balance$1,0000.60%
- $10,000 balance$10,0000.60%
- $100,000 balance$100,0000.60%
- 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 St. Lawrence FCU 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.
Sidekick Plus Share Account
1.00%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancewhen paired with a 3-, 4-, 5-year certificateAny balance | 1.00% | $100 | when paired with a 3-, 4-, 5-year certificate |
Sources (1)
- stlawrfcu.com/sidekick-share-account · captured Oct 6, 2026
Sidekick Share Account
0.75%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancewhen paired with a 2-year certificateAny balance | 0.75% | $75 | when paired with a 2-year certificate |
Sources (1)
- stlawrfcu.com/sidekick-share-account · captured Oct 6, 2026
Money Market
0.30%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.10% | — |
| $5,000 – $25,000 | 0.30% | $30 |
| $25,000 – $75,000 | 0.42% | — |
| $75,000 – $200,000 | 0.60% | — |
| $200,000 and up | 0.70% | — |
Sources (1)
- stlawrfcu.com/deposit-rates · captured Oct 16, 2026
Premier Share
0.60%APY
Listed under Rewards Accounts.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Up to $50,000.00 balance. | 0.60% | $60 | Up to $50,000.00 balance. |
| Over $50,000Balances over $50,000.00. | 0.10% | — | Balances over $50,000.00. |
Shares
0.10%APY
Includes Primary and Secondary shares.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePrimary, Secondary shares.Any balance | 0.10% | $10 | Primary, Secondary shares. |
Special-purpose accounts
Junior Saver
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 2.02% | — |
| $5,000 and up | 0.25% | $25 |
Sources (1)
- stlawrfcu.com/deposit-rates · captured Oct 6, 2026
IRA Shares
0.45%APY
Includes Traditional IRA and Roth IRA wrappers.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.45% | $45 |
Sources (3)
All captured Oct 6, 2026
Clubs
0.25%APY
Upon maturity money will transfer to the Primary Share. Includes Christmas Club (maturity date 10/31) and Vacation Club (maturity date 3/31).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceChristmas club maturity date 10/31; Vacation club maturity date 3/31. Upon maturity money will transfer to the Primary Share.Any balance | 0.25% | $25 | Christmas club maturity date 10/31; Vacation club maturity date 3/31. Upon maturity money will transfer to the Primary Share. |
Who can join St. Lawrence FCU
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 St. Lawrence, Clinton, Essex, Franklin, Fulton, Hamilton, Herkimer, Jefferson, Lewis, Oneida, Oswego, or Warren County in New York state are eligible to join.
Membership information collected October 5, 2026.