Credit union · NCUA insured
State CS Employees Federal Credit Union Savings Rates
State CS Employees Federal Credit Union’s best savings rate is 1.65% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How State CS Employees Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Watertown, NY, where State CS Employees Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
State CS Employees Federal Credit Union
1.65%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $165
Money Market
2nd-highest rate
AmeriCU Credit Union
1.25%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $125
3rd-highest rate
Northern Credit Union
0.75%APY
- Requires
- Another account
- Minimum
- $1
- Earns on $10,000 a year
- $75
State CS Employees Federal Credit Union savings score
88
Savings score
Higher than 82% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.65%
- $100,000 balance$100,0002.15%
- QualifiedQualified1.65%
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 State CS Employees 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
1.65%APY
No maintenance or below-balance fees. Open with as little as $500. Make unlimited deposits. Dividends are compounded and credited quarterly based on account's average daily balance and corresponding tier rate. Variable rate may change after opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $25,000Dividends compounded and credited quarterly based on average daily balance and corresponding tier rate. Rate is variable. | 1.65% | $165 | Dividends compounded and credited quarterly based on average daily balance and corresponding tier rate. Rate is variable. |
| $25,000 – $75,000Dividends compounded and credited quarterly based on average daily balance and corresponding tier rate. Rate is variable. | 1.90% | — | Dividends compounded and credited quarterly based on average daily balance and corresponding tier rate. Rate is variable. |
| $75,000 and upDividends compounded and credited quarterly based on average daily balance and corresponding tier rate. Rate is variable. | 2.15% | — | Dividends compounded and credited quarterly based on average daily balance and corresponding tier rate. Rate is variable. |
Sources (2)
All captured Oct 6, 2026
Primary Savings
Up to 0.30%APY
Establishes credit union membership. Minimum balance of $50 required to earn dividends. Includes free $1,000 Accidental Death and Dismemberment Insurance Policy.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceUnder $50.00 earns no dividends. | 0.00% | $0 | Under $50.00 earns no dividends. |
| Up to $5,000Variable rate. Dividends compounded and credited quarterly based on average daily balance. | 0.10% | — | Variable rate. Dividends compounded and credited quarterly based on average daily balance. |
| $5,000 – $10,000Variable rate. Dividends compounded and credited quarterly based on average daily balance. | 0.25% | — | Variable rate. Dividends compounded and credited quarterly based on average daily balance. |
| $10,000 – $20,000Variable rate. Dividends compounded and credited quarterly based on average daily balance. | 0.30% | $30 | Variable rate. Dividends compounded and credited quarterly based on average daily balance. |
| $20,000 and upVariable rate. Dividends compounded and credited quarterly based on average daily balance. | 0.40% | — | Variable rate. Dividends compounded and credited quarterly based on average daily balance. |
Secondary Savings
Up to 0.30%APY
Separate savings account to track progress for specific savings goals with deposit and withdrawal flexibility.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceUnder $50.00 earns no dividends. | 0.00% | $0 | Under $50.00 earns no dividends. |
| Up to $5,000Variable rate. Dividends compounded and credited quarterly based on average daily balance. | 0.10% | — | Variable rate. Dividends compounded and credited quarterly based on average daily balance. |
| $5,000 – $10,000Variable rate. Dividends compounded and credited quarterly based on average daily balance. | 0.25% | — | Variable rate. Dividends compounded and credited quarterly based on average daily balance. |
| $10,000 – $20,000Variable rate. Dividends compounded and credited quarterly based on average daily balance. | 0.30% | $30 | Variable rate. Dividends compounded and credited quarterly based on average daily balance. |
| $20,000 and upVariable rate. Dividends compounded and credited quarterly based on average daily balance. | 0.40% | — | Variable rate. Dividends compounded and credited quarterly based on average daily balance. |
Special-purpose accounts
Christmas Club
0.05%APY on $10,000
Savings transfer automatically into Primary Savings in October for holiday shopping.
| Part of the balance | Rate on that part |
|---|---|
| Up to $5,000 | 0.10% |
On $10,000 the tiers blend to about 0.05% APY, earning $5 a year.
Who can join State CS Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of the City of Watertown who live or work in Jefferson, Lewis, St. Lawrence, Clinton, or Franklin county, NY are eligible to join.
- New York State Civil Service Employees who live or work in Jefferson, Lewis, St. Lawrence, Clinton, or Franklin county, NY are eligible to join.
- Retirees of New York State Civil Service, City of Watertown, or Watertown City School District who live or work in Jefferson, Lewis, St. Lawrence, Clinton, or Franklin county, NY are eligible to join.
- Employees of the Watertown City School District who live or work in Jefferson, Lewis, St. Lawrence, Clinton, or Franklin county, NY are eligible to join.
Family and household
- Immediate family members of current members who live or work in Jefferson, Lewis, St. Lawrence, Clinton, or Franklin county, NY are eligible to join.
Cost to join
- Membership requires opening a Primary Savings account with a minimum deposit of at least $5.00.
Membership information collected October 5, 2026.