Credit union · NCUA insured
Vantage Trust Federal Credit Union Savings Rates
Vantage Trust Federal Credit Union’s best savings rate is 0.01% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Vantage Trust Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Scranton, PA, where Vantage Trust Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Vantage Trust Federal Credit Union
0.01%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $1
Share (Savings) Account
Top rate
NET Credit Union
6.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $600
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Vantage Trust Federal Credit Union savings score
60
Savings score
Higher than 0% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.01%
- $100,000 balance$100,0000.01%
- QualifiedQualified0.01%
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 Vantage Trust 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
0.01%APY
Limit (6) withdrawals per month on all Tiers. Money Market Accounts cannot be used for overdraft protection.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tier I | 0.01% | — | Tier I |
| $1,000 – $10,000Tier II | 0.01% | $1 | Tier II |
| $10,000 – $75,000Tier III | 0.01% | — | Tier III |
| Over $75,000Tier IV | 0.01% | — | Tier IV |
Sources (2)
All captured Sep 17, 2026
Share (Savings) Account
0.01%APY
An initial deposit of $5.00 establishes membership in the credit union. Dividends are paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly.Any balance | 0.01% | $1 | Dividends paid quarterly. |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Account
0.45%APY
Available as Traditional IRA, Roth IRA, and Educational IRA / Coverdell Education Savings Account (ESA). Limit 6 withdrawals per month on all tiers.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to Traditional, Roth, and Educational IRA options. Limit 6 withdrawals per month.Any balance | 0.45% | $45 | Applies to Traditional, Roth, and Educational IRA options. Limit 6 withdrawals per month. |
Sources (2)
All captured Sep 17, 2026
Holiday Club
0.01%APY
Dividends are compounded and credited quarterly. Also referred to as Christmas Club Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are compounded and credited quarterly.Any balance | 0.01% | $1 | Dividends are compounded and credited quarterly. |
Sources (2)
All captured Sep 17, 2026
Step Account
0.01%APY
Available to credit union student members grades 1 through 12. Includes S.T.E.P. Cash Awards for report card grades and attendance, and an initial $5.00 share deposit from the Credit Union.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable to student members, grades 1 through 12.Any balance | 0.01% | $1 | Available to student members, grades 1 through 12. |
Vacation Club
0.01%APY
Dividends are compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are compounded and credited quarterly.Any balance | 0.01% | $1 | Dividends are compounded and credited quarterly. |
Sources (2)
All captured Sep 17, 2026
Who can join Vantage Trust 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
- Anyone who lives, works, or worships in Luzerne County is eligible to join.
Employers and groups
- Employees of any of the credit union's select employee groups are eligible to join.
Family and household
- Immediate and extended family members related by blood or marriage to an existing member are eligible to join.
Cost to join
- Membership requires opening a Share Savings Account with a minimum deposit of $5.00.
Membership information collected October 5, 2026.