Credit union · NCUA insured
Suffolk Credit Union Savings Rates
Suffolk Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Suffolk Credit Union’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where Suffolk Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Suffolk Credit Union
2.50%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $250
Save Your Way Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Suffolk Credit Union savings score
88
Savings score
Higher than 81% of U.S. banks and credit unions
- $1,000 balance$1,0002.50%
- $10,000 balance$10,0002.50%
- $100,000 balance$100,0002.50%
- QualifiedQualified2.50%
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 Suffolk 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 Account
0.25%APY
$5 membership share required. Minimum $2,500 opening deposit. Minimum daily balance of $2,500 to avoid $15 monthly service fee. Up to 3 withdrawals per month permitted without fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Minimum daily balance of $2,500 required to avoid $15 monthly service fee. $5 membership share required. | 0.25% | $25 | Minimum daily balance of $2,500 required to avoid $15 monthly service fee. $5 membership share required. |
| $25,000 – $50,000Minimum daily balance of $2,500 required to avoid $15 monthly service fee. $5 membership share required. | 0.50% | — | Minimum daily balance of $2,500 required to avoid $15 monthly service fee. $5 membership share required. |
| $50,000 – $100,000Minimum daily balance of $2,500 required to avoid $15 monthly service fee. $5 membership share required. | 0.50% | — | Minimum daily balance of $2,500 required to avoid $15 monthly service fee. $5 membership share required. |
| $100,000 – $250,000Minimum daily balance of $2,500 required to avoid $15 monthly service fee. $5 membership share required. | 0.70% | — | Minimum daily balance of $2,500 required to avoid $15 monthly service fee. $5 membership share required. |
| $250,000 – $500,000Minimum daily balance of $2,500 required to avoid $15 monthly service fee. $5 membership share required. | 0.75% | — | Minimum daily balance of $2,500 required to avoid $15 monthly service fee. $5 membership share required. |
| $500,000 – $1,000,000Minimum daily balance of $2,500 required to avoid $15 monthly service fee. $5 membership share required. | 0.75% | — | Minimum daily balance of $2,500 required to avoid $15 monthly service fee. $5 membership share required. |
| $1,000,000 and upMinimum daily balance of $2,500 required to avoid $15 monthly service fee. $5 membership share required. | 2.50% | — | Minimum daily balance of $2,500 required to avoid $15 monthly service fee. $5 membership share required. |
Save Your Way Account
2.50%APY
Promotional offer valid for accounts opened between June 1 and August 31, 2026 with new money. Promotional rate of 2.50% APY applies to balances up to $250,000 until December 31, 2026. Balances over $250,000 earn 0.05% APY. One free withdrawal per month; additional withdrawals incur a $10 fee. Standard schedule rate is 0.05% APY for balances $100 and greater.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100 | 0.00% | — | |
| $100 – $250,000Promotional rate valid for accounts opened between June 1 and August 31, 2026 with new money; rate applies until December 31, 2026. | 2.50% | $250 | Promotional rate valid for accounts opened between June 1 and August 31, 2026 with new money; rate applies until December 31, 2026. |
| Over $250,000Non-promotional yield on balances greater than $250,000 for accounts opened during promotion. | 0.05% | — | Non-promotional yield on balances greater than $250,000 for accounts opened during promotion. |
One more rate on its site comes from an older rate sheet (2025) and isn’t shown as current.
Sources (3)
- suffolkcu.org/about/rates/personal-banking-rates
- suffolkcu.org/bank/accounts/savings
- suffolkcu.org/bank/accounts/savings/save-your-way
All captured Sep 17, 2026
Share Savings Account
0.05%APY
Requires maintaining a $5.00 minimum daily balance to avoid a $1.00 monthly service fee. Minimum $100 balance required to earn dividends. Account transfer and withdrawal limitations apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 and up | 0.05% | $5 |
Special-purpose accounts
Youth Savings Account
0.10%APY
Entire balance transferred to regular Share Savings Account on member's 18th birthday and account is closed. If under age 15, must be a custodial account; ages 15-17 require joint owner age 18+. $25 bonus when balance reaches $1,000. $100 minimum balance required to earn the highest dividend offered.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Minimum balance of $100 required to earn the highest dividend offered. | 6.00% | — | Minimum balance of $100 required to earn the highest dividend offered. |
| Over $2,500 | 0.10% | $10 |
IRA/SEP Share Account
0.10%APY
Available as Traditional, Roth, or SEP IRA share savings. Calculated daily and credited monthly. Account transfer and withdrawal limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$0 minimum deposit to earn dividend. Minimum contribution is $1.00 for IRA savings with tax reportable income.Any balance | 0.10% | $10 | $0 minimum deposit to earn dividend. Minimum contribution is $1.00 for IRA savings with tax reportable income. |
Sources (3)
- suffolkcu.org/about/rates/personal-banking-rates
- suffolkcu.org/bank/accounts/iras
- suffolkcu.org/getContentAsset/…-and-Fee_Sched_TIS_1.pdf
All captured Sep 17, 2026
First-Time Homebuyers Club
0.05%APY
Requires 12 to 24 minimum consecutive $100 monthly deposits and completion of a home buying education course in return for closing cost assistance on a Suffolk Credit Union mortgage loan. Open to members who have not owned a home for at least 36 months prior to enrollment. $10 fee per withdrawal (may cause loss of closing benefits). Also requires maintaining a Share Savings Account with $5 minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 and up | 0.05% | $5 |
Who can join Suffolk Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.