Credit union · NCUA insured
Teachers Federal Credit Union Savings Rates
Teachers Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Tiered Money Market. Rates checked October 16, 2026.
How Teachers Federal Credit Union’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where Teachers Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Teachers Federal Credit Union
0.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $50
Tiered Money Market
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
Teachers Federal Credit Union savings score
77
Savings score
Higher than 43% of U.S. banks and credit unions
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.90%
- QualifiedQualified0.50%
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 Teachers 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.
Tiered Money Market
0.50%APY
Membership at Teachers is required by opening a Regular Savings or Youth Savings account with a minimum deposit of $1.00. Minimum balance of $2,500.00 required to earn current APY. $5 monthly charge assessed if account remains under $500. Dividends are compounded daily and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $25,000 | 0.50% | $50 |
| $25,000 – $50,000 | 0.55% | — |
| $50,000 – $100,000 | 0.70% | — |
| $100,000 – $250,000 | 0.90% | — |
| $250,000 – $500,000 | 1.00% | — |
| $500,000 and up | 1.00% | — |
Sources (3)
- teachersfcu.org/personal-banki…ngs/money-market-account
- teachersfcu.org/personal-banki…of-fees-and-services.pdf
- teachersfcu.org/rates
All captured Sep 26, 2026
Special-purpose accounts
Holiday Club
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to earn interest is $50.$50 and up | 0.10% | $10 | Minimum balance to earn interest is $50. |
Sources (1)
- teachersfcu.org/rates · captured Sep 26, 2026
Vacation Club
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to earn interest is $50.$50 and up | 0.10% | $10 | Minimum balance to earn interest is $50. |
Sources (1)
- teachersfcu.org/rates · captured Sep 26, 2026
Who can join Teachers Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is open nationwide to anyone and everyone under an open charter.
Membership information collected October 5, 2026.