Credit union · NCUA insured
St. Pius Federal Credit Union Savings Rates
St. Pius Federal Credit Union’s best savings rate is 0.75% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How St. Pius Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Rochester, NY, where St. Pius Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
St. Pius Federal Credit Union
0.75%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $75
Money Market
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
St. Pius Federal Credit Union savings score
81
Savings score
Higher than 56% of U.S. banks and credit unions
- $1,000 balance$1,0000.04%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.50%
- 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 St. Pius 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
0.75%APY
Membership subject to eligibility. Features include no penalty charges for withdrawal, monthly statements when dividends are credited, online access and eStatement delivery, and up to six transactions per month (Regulation D limits).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $24,999Level One. Rates subject to change without notice. Membership subject to eligibility. | 0.75% | $75 | Level One. Rates subject to change without notice. Membership subject to eligibility. |
| $25,000 – $74,999Level Two. Rates subject to change without notice. Membership subject to eligibility. | 1.00% | — | Level Two. Rates subject to change without notice. Membership subject to eligibility. |
| $75,000 and upLevel Three. Rates subject to change without notice. Membership subject to eligibility. | 1.50% | — | Level Three. Rates subject to change without notice. Membership subject to eligibility. |
Basic Share Account
0.04%APY
Requires an initial share deposit of $5.00 upon joining SPXFCU. Membership subject to eligibility.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.04% | $4 |
Special-purpose accounts
IRA Share
0.05%APY
Variable rates with dividends credited monthly. Early withdrawal penalties may apply. Tax penalties may occur on IRA early withdrawals. Membership subject to eligibility.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upEarly withdrawal penalties may apply. Tax penalties may occur on IRA early withdrawals. Variable rates; dividends credited monthly.$5 and up | 0.05% | $5 | Early withdrawal penalties may apply. Tax penalties may occur on IRA early withdrawals. Variable rates; dividends credited monthly. |
Who can join St. Pius Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of affiliated churches, parishes, religious orders, and faith-based community groups are eligible to join.
Military, government and schools
- Members of Aquinas Institute are eligible to join.
- Members of Hope Hall are eligible to join.
- Members of Nazareth Elementary are eligible to join.
- Members of Robert Wesleyan College and North Eastern Seminary are eligible to join.
- Members of St. John’s The Evangelist Church and School are eligible to join.
4 more ways to join
Military, government and schools
- Members of St. Lawrence School are eligible to join.
- Members of St. Pius X Church & Schools are eligible to join.
- Members of St. Rita’s Church & School are eligible to join.
Family and household
- Family members of current SPXFCU members are eligible for membership.
Membership information collected October 5, 2026.