Credit union · NCUA insured
TrailNorth Federal Credit Union Savings Rates
Top CarrotTrailNorth Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Regular Savings (01). Rates checked October 16, 2026.
How TrailNorth Federal Credit Union’s savings rates compare
Compared with banks and credit unions in New York, where TrailNorth Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
TrailNorth Federal Credit Union
0.10%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $10
Regular Savings (01)
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
Family First Federal Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
TrailNorth Federal Credit Union savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 TrailNorth 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.
Escrow Savings (06,07)
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$0.00 to open account, $100 ADB to earn dividends.$100 and up | 0.10% | $10 | $0.00 to open account, $100 ADB to earn dividends. |
Regular Savings (01)
0.10%APY
$5.00 minimum deposit to open account. $100.00 average daily balance required to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$5.00 to open account, $100 ADB to earn dividends.$100 and up | 0.10% | $10 | $5.00 to open account, $100 ADB to earn dividends. |
Sources (3)
All captured Sep 17, 2026
Special Savings (05)
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$0.00 to open account, $100 ADB to earn dividends.$100 and up | 0.10% | $10 | $0.00 to open account, $100 ADB to earn dividends. |
Sources (3)
All captured Sep 17, 2026
Take Advantage (77)
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and up$2,500.00 minimum balance / deposit to open.$2,500 and up | 0.10% | $10 | $2,500.00 minimum balance / deposit to open. |
Sources (3)
All captured Sep 17, 2026
Special-purpose accounts
Holiday Club (11)
0.10%APY
Holiday Club Savings is automatically deposited to Regular Savings ~October 1st. $100.00 average daily balance to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$0.00 to open account, $100 ADB to earn dividends. Automatically deposited to Regular Savings ~October 1st.$100 and up | 0.10% | $10 | $0.00 to open account, $100 ADB to earn dividends. Automatically deposited to Regular Savings ~October 1st. |
Sources (3)
All captured Sep 17, 2026
IRA Savings (81, 41, 91)
0.10%APY
Includes Traditional, Roth, and Educational IRA options. No monthly fees. Dividends paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$5.00 to open, $100.00 for dividends. No monthly fees. Dividends paid monthly.$100 and up | 0.10% | $10 | $5.00 to open, $100.00 for dividends. No monthly fees. Dividends paid monthly. |
Sources (3)
All captured Sep 17, 2026
Savings Safari Club (03)
0.10%APY
Designed for youth up to age 12. Must schedule an appointment at a branch location to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDesigned for youth up to age 12. $5.00 to open account, $5.00 average daily balance to earn dividends. Dividends compounded quarterly.$5 and up | 0.10% | $10 | Designed for youth up to age 12. $5.00 to open account, $5.00 average daily balance to earn dividends. Dividends compounded quarterly. |
Sources (4)
All captured Sep 17, 2026
Who can join TrailNorth Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school, or businesses and legal entities located in Essex, Washington, Warren, Clinton, and Franklin Counties in New York and Addison County in Vermont are eligible to join.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings, and adoptive relationships) of individuals within the credit union's field of membership are eligible to join, regardless of whether the relative is a member.
Membership information collected October 5, 2026.