Credit union · NCUA insured
UFirst Federal Credit Union Savings Rates
UFirst Federal Credit Union’s best savings rate is 4.00% APY on $10,000, with its High Yield Money Market. Rates checked October 16, 2026.
How UFirst Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Plattsburgh, NY, where UFirst Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
UFirst Federal Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
High Yield Money Market
2nd-highest rate
North Country Savings Bank
3.56%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $356
3rd-highest rate
Dannemora Federal Credit Union
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $200
UFirst Federal Credit Union savings score
94
Savings score
Higher than 96% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0004.00%
- $100,000 balance$100,0000.50%
- QualifiedQualified4.00%
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 UFirst 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.
High Yield Money Market
4.00%APY
Dividends compound monthly. Minimum balance of $0.01 to earn dividends. Limited to one per member and will only apply for new money to the credit union. Money withdrawn and re-deposited from UFirst will not be eligible. Up to 3 withdrawals a month; no minimum balance required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Dividends compound monthly. Limited to one per member and applies only for new money to the credit union. | 0.25% | — | Dividends compound monthly. Limited to one per member and applies only for new money to the credit union. |
| $5,000 – $50,000Dividends compound monthly. Limited to one per member and applies only for new money to the credit union. | 4.00% | $400 | Dividends compound monthly. Limited to one per member and applies only for new money to the credit union. |
| Over $50,000Dividends compound monthly. Limited to one per member and applies only for new money to the credit union. | 0.50% | — | Dividends compound monthly. Limited to one per member and applies only for new money to the credit union. |
Money Market
0.10%APY
Dividends compound monthly. Minimum balance of $5,000.00 to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $10,000Dividends compound monthly. | 0.10% | $10 | Dividends compound monthly. |
| $10,000 – $25,000Dividends compound monthly. | 0.15% | — | Dividends compound monthly. |
| $25,000 – $50,000Dividends compound monthly. | 0.20% | — | Dividends compound monthly. |
| $50,000 – $75,000Dividends compound monthly. | 0.20% | — | Dividends compound monthly. |
| Over $75,000Dividends compound monthly. | 0.20% | — | Dividends compound monthly. |
Sources (1)
- ufirstfcu.net/accounts/money-markets · captured Sep 17, 2026
Share Savings Account
0.05%APY
Dividends compound monthly. No minimum balance and no monthly fees. No withdrawal fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $101 – $10,000 | 0.05% | $5 |
| Over $10,000 | 0.10% | — |
Sources (2)
All captured Sep 17, 2026
Additional Savings Account
0.05%APY
Dividends compound monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- ufirstfcu.net/personal/rates · captured Sep 17, 2026
Special-purpose accounts
Share IRA Accounts
0.30%APY
Dividends compound monthly. Traditional & Roth IRAs available.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,000 | 0.00% | — |
| $2,001 – $10,000 | 0.30% | $30 |
| $10,001 – $90,000 | 0.35% | — |
Sources (2)
All captured Sep 17, 2026
Holiday Club Account
0.05%APY
Save for holiday expenses. Automatic transfer on October 1st, payroll deduction available. $20 fee for early withdrawal. No minimum balance, no monthly fees. Dividends compound monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Sep 17, 2026
Who can join UFirst Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.