Credit union · NCUA insured
The Finest Federal Credit Union Savings Rates
The Finest Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Membership Share. Rates checked October 16, 2026.
How The Finest Federal Credit Union’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where The Finest Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
The Finest Federal Credit Union
0.50%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $50
Membership Share
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
The Finest Federal Credit Union savings score
79
Savings score
Higher than 48% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- 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 The Finest 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.
Membership Share
0.50%APY
Requires a $50 minimum balance and a $5 minimum deposit. Open to NYS law enforcement personnel, retirees, and family members.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and up$5 minimum deposit and $50 minimum balance required.$50 and up | 0.50% | $50 | $5 minimum deposit and $50 minimum balance required. |
Sources (3)
All captured Sep 17, 2026
Secondary Share
0.50%APY
Requires a $50 minimum balance but no minimum deposit amount. Open to NYS law enforcement personnel, retirees, and family members.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upNo minimum opening deposit; $50 minimum balance required.$50 and up | 0.50% | $50 | No minimum opening deposit; $50 minimum balance required. |
Sources (3)
All captured Sep 17, 2026
Special-purpose accounts
Holiday Club Account
0.50%APY
Regular savings deposits accumulate through the year and are dispersed for holiday spending. Open to NYS law enforcement personnel, retirees, and family members.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upAccumulates throughout the year and disperses for holiday spending.$25 and up | 0.50% | $50 | Accumulates throughout the year and disperses for holiday spending. |
Sources (3)
All captured Sep 17, 2026
Roth IRA Share
0.50%APY
Tax-advantaged personal savings plan where taxes are paid upfront upon contribution. Dividends are compounded and paid quarterly. Withdrawals made before age 59½ are penalized unless a qualifying reason applies. Open to NYS law enforcement personnel, retirees, and family members.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upDividends compounded and paid quarterly. Minimum deposit and balance of $500. Early withdrawal penalties apply before age 59½ unless qualified.$500 and up | 0.50% | $50 | Dividends compounded and paid quarterly. Minimum deposit and balance of $500. Early withdrawal penalties apply before age 59½ unless qualified. |
Sources (4)
All captured Sep 17, 2026
Traditional IRA Share
0.50%APY
Tax-deferred savings account where contributions may be tax-deductible and taxes are paid upon withdrawal. Dividends compounded and paid quarterly. Annual contribution limit is $5,500 for people under 50. Required distributions start at age 70½. Open to NYS law enforcement personnel, retirees, and family members.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upDividends compounded and paid quarterly. Minimum deposit and balance of $500. Early withdrawal penalties apply unless qualifying reason applies. Must start taking distributions by age 70½.$500 and up | 0.50% | $50 | Dividends compounded and paid quarterly. Minimum deposit and balance of $500. Early withdrawal penalties apply unless qualifying reason applies. Must start taking distributions by age 70½. |
Sources (4)
All captured Sep 17, 2026
Who can join The Finest Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.