Credit union · NCUA insured
TruNorthern Federal Credit Union Savings Rates
TruNorthern Federal Credit Union’s best savings rate is 0.20% APY on $10,000, with its Money Market Accounts. Rates checked October 16, 2026.
How TruNorthern Federal Credit Union’s savings rates compare
Compared with banks and credit unions in New York, where TruNorthern Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
TruNorthern Federal Credit Union
0.20%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $20
Money Market Accounts
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
TruNorthern Federal Credit Union savings score
69
Savings score
Higher than 23% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.80%
- QualifiedQualified0.20%
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 TruNorthern 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.
Money Market Accounts
0.20%APY
Accumulates dividends on a tiered basis while being tied to current markets. Accessible via check writing and ATM card withdrawals. A transactional penalty of $25.00 applies if balance drops below $10,000.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10,000 – $25,000 | 0.20% | $20 |
| $25,000 – $50,000 | 0.40% | — |
| $50,000 – $75,000 | 0.60% | — |
| Over $75,000 | 0.80% | — |
Regular Share Account
0.07%APY
Regular Share account holders invest $25.00 to become a part-owner. Earns dividends monthly with a balance more than $100.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $2,000 | 0.05% | — |
| $2,000 – $10,000 | 0.07% | $7 |
| Over $10,000 | 0.15% | — |
Special-purpose accounts
IRA Shares
0.50%APY
Available as Traditional IRA and Roth IRA accounts. Features variable rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rateAny balance | 0.50% | $50 | Variable rate |
Who can join TruNorthern 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
- Membership is open to individuals who live, work, worship, or attend school in St. Lawrence, Franklin, Clinton, and Essex counties.
Cost to join
- A minimum deposit of $25 is required to open an account.
Membership information collected October 5, 2026.