Credit union · NCUA insured
Union Building Trades Federal Credit Union Savings Rates
Union Building Trades Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Union Building Trades Federal Credit Union’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where Union Building Trades Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Union Building Trades Federal Credit Union
0.10%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $10
Money Market Account
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
Union Building Trades Federal Credit Union savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.30%
- 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 Union Building Trades 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 Account
0.10%APY
Required minimum balance of $2,500 for premium dividend rate; if balance falls below minimum, dividend rate drops to current savings rate. No monthly fee or penalty. Additional deposits allowed and up to six transfers per month. Dividends paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499If balance falls below the minimum of $2,500, dividend rate drops to the current savings rate. | 0.05% | — | If balance falls below the minimum of $2,500, dividend rate drops to the current savings rate. |
| $2,500 – $14,999 | 0.10% | $10 | |
| $15,000 – $29,999 | 0.15% | — | |
| $30,000 – $49,999 | 0.20% | — | |
| $50,000 – $99,999 | 0.25% | — | |
| $100,000 and up | 0.30% | — |
Sources (1)
- ubtfcu.org/money_market · captured Sep 19, 2026
Regular Share Account
0.05%APY
A minimum deposit of $5 is required to open the Regular Share Account. Key to membership with Union Building Trades Federal Credit Union.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Who can join Union Building Trades Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to members belonging to authorized participating union organizations and councils.
- Individuals who work in the building trades field whose home local is not affiliated directly with UBTFCU can join through CIF association.
Family and household
- Membership is open to individuals related through either blood or marriage / family members of members from the participating union locals.
Cost to join
- A minimum deposit / share balance of $5.00 is required to open and maintain an account.
Membership information collected October 5, 2026.