Credit union · NCUA insured
United Poles Federal Credit Union Savings Rates
Top CarrotUnited Poles Federal Credit Union’s best savings rate is 0.51% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How United Poles Federal Credit Union’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where United Poles Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Poles Federal Credit Union
0.51%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $51
Money Market
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
United Poles Federal Credit Union savings score
80
Savings score
Higher than 50% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.51%
- $100,000 balance$100,0001.26%
- QualifiedQualified0.51%
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 United Poles 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
0.51%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.05% | — |
| $2,500 – $20,000 | 0.51% | $51 |
| $20,000 – $50,000 | 0.76% | — |
| $50,000 – $100,000 | 1.01% | — |
| $100,000 and up | 1.26% | — |
Sources (1)
- unitedpolesfcu.com/d_rates.html · captured Sep 19, 2026
Regular Share Account
0.05%APY
Minimum deposit of $50 ($100 for joint accounts) to establish membership. Dividends compounded and credited quarterly. Account transfer and withdrawal limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum opening deposit $100.00; minimum balance to avoid a service fee $100.00; minimum balance to earn stated APY $50.00.$50 and up | 0.05% | $5 | Minimum opening deposit $100.00; minimum balance to avoid a service fee $100.00; minimum balance to earn stated APY $50.00. |
Sources (3)
All captured Sep 24, 2026
Special-purpose accounts
IRA Account
0.76%APY
Individual Retirement Account (Traditional / Roth IRA). Dividends compounded and credited quarterly based on daily balance method.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.51% | — |
| $5,000 – $10,000 | 0.76% | $76 |
| $10,000 – $30,000 | 1.01% | — |
| $30,000 – $100,000 | 1.51% | — |
| Over $100,000 | 2.02% | — |
Sources (3)
All captured Sep 24, 2026
Kids Savings Club
0.51%APY
For members ages 17 and younger. Joint account with parent or guardian required. Balances under $10 incur a $2 monthly minimum balance fee. Maximum 6 withdrawals per month ($1 activity charge per withdrawal over 6).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upEarn interest on balances of $10 or more. $2 minimum balance fee if monthly balance falls below $10. Dividend rate is at least 0.25% higher than regular share account.$10 and up | 0.51% | $51 | Earn interest on balances of $10 or more. $2 minimum balance fee if monthly balance falls below $10. Dividend rate is at least 0.25% higher than regular share account. |
Sources (2)
All captured Sep 24, 2026
Special Club Accounts (Holiday & Vacation Club)
0.15%APY
Must have an established account. Requires weekly deposits from $10.00 to $150.00 for 50 weeks up to a maximum of $7,500.00. Early withdrawal penalty of $5.00 applies outside penalty-free withdrawal windows. Holiday Club terms run Oct 15 - Sep 30; Vacation Club terms run Apr 15 - Mar 31.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $7,500Christmas, Vacations, College, or Other club accounts. Weekly deposit $10 to $150 for 50 weeks up to $7,500 max.Up to $7,500 | 0.15% | — | Christmas, Vacations, College, or Other club accounts. Weekly deposit $10 to $150 for 50 weeks up to $7,500 max. |
Sources (2)
All captured Sep 24, 2026
Who can join United Poles 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 available to employees of United Poles Federal Credit Union.
- Membership is available to members of Nest 822 of the Polish Falcons in South River, NJ.
- Membership is available to members of Polish-American Congress, the New Jersey Division.
- Membership is available to members of Polish National Fund of New Jersey.
- Membership is available to members of Polish Veterans Association in South River, NJ.
- Membership is available to members of United Poles in America, Inc. (also known as ZPA in Perth Amboy, NJ).
2 more ways to join
Family and household
- Membership is available to immediate family and household members of partner association members and Credit Union employees.
Other ways
- Membership is available to organizations of eligible persons (members of partner associations, employees, and their immediate family/household members).
Cost to join
- The minimum deposit in a share-savings account is $50.00.
- Annual dues of $20 to join ZPA, payable upfront at the time of opening an account until the end of the calendar year and thereafter on each March 1st. Minors and family members of current members are exempt.
Membership information collected October 5, 2026.