Credit union · NCUA insured
Stewart's Federal Credit Union Savings Rates
Stewart's Federal Credit Union’s best savings rate is 1.75% APY on $10,000, with its Regular Savings. Rates checked October 16, 2026.
How Stewart's Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Albany, NY, where Stewart's Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Stewart's Federal Credit Union
1.75%APY
- Requires
- None
- Minimum
- $10
- Earns on $10,000 a year
- $175
Regular Savings
Top rate
NextStep Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $20
- Earns on $10,000 a year
- $400
2nd-highest rate
Pioneer
3.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $350
Stewart's Federal Credit Union savings score
89
Savings score
Higher than 86% of U.S. banks and credit unions
- $1,000 balance$1,0001.75%
- $10,000 balance$10,0001.75%
- $100,000 balance$100,0001.75%
- QualifiedQualified1.75%
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 Stewart's 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.
Regular Savings
1.75%APY
Below Par fee of $2.00 per month applies if the balance falls below the required $10.00 minimum.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upDividends compounded and credited monthly; calculated using average daily balance method. Minimum balance to avoid a $2.00 monthly service fee is $10.00.$10 and up | 1.75% | $175 | Dividends compounded and credited monthly; calculated using average daily balance method. Minimum balance to avoid a $2.00 monthly service fee is $10.00. |
Sources (3)
All captured Sep 17, 2026
Special-purpose accounts
Holiday Saver Club
2.25%APY
Requires setting up a direct deposit of at least $5.00 per pay period. No withdrawals or transfers are allowed; funds are automatically moved to savings account on October 1.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upEarns a bonus of 0.50% above regular savings rate. Requires direct deposit of at least $5.00 per pay period. No withdrawals or transfers permitted prior to automatic October 1 transfer. Dividends compounded and credited monthly using average daily balance method.$10 and up | 2.25% | $225 | Earns a bonus of 0.50% above regular savings rate. Requires direct deposit of at least $5.00 per pay period. No withdrawals or transfers permitted prior to automatic October 1 transfer. Dividends compounded and credited monthly using average daily balance method. |
Sources (3)
- stewartscu.com/club-accounts
- stewartscu.com/rates
- stewartscu.com/wp-content/uplo…and-Fee-Schedule-004.pdf
All captured Sep 17, 2026
Holiday and Vacation, Energy and All Purpose Clubs
1.75%APY
Club accounts designed for specific savings goals. For Holiday Club, funds are automatically transferred to regular savings on October 1.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upDividends compounded and credited monthly; calculated using average daily balance method. No minimum balance required to avoid a monthly service fee.$10 and up | 1.75% | $175 | Dividends compounded and credited monthly; calculated using average daily balance method. No minimum balance required to avoid a monthly service fee. |
Sources (3)
- stewartscu.com/club-accounts
- stewartscu.com/rates
- stewartscu.com/wp-content/uplo…and-Fee-Schedule-004.pdf
All captured Sep 17, 2026
Who can join Stewart's Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and dairy producers of Stewart's Shops Corp are eligible for membership.
Family and household
- Families of employees and dairy producers of Stewart's Shops Corp are eligible for membership.
Membership information collected October 5, 2026.