Credit union · NCUA insured
Western Division Federal Credit Union Savings Rates
Western Division Federal Credit Union’s best savings rate is 0.75% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Western Division Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Buffalo, NY, where Western Division Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Western Division Federal Credit Union
0.75%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $75
Money Market Account
Top rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Western Division Federal Credit Union savings score
83
Savings score
Higher than 61% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.75%
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 Western Division 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
0.75%APY
Available to members within Western Division's field of membership. Dividends are compounded daily and credited quarterly. Rate and APY may change monthly. Three withdrawals/transfers per month at no charge.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $999 | 0.00% | — |
| $1,000 – $50,000 | 0.75% | $75 |
| $50,001 – $100,000 | 1.00% | — |
| $100,001 – $200,000 | 1.25% | — |
| $200,001 and up | 1.51% | — |
Savings Account
0.25%APY
Minimum $5 deposit to open. Earn Dividends on balances of $100 or greater. No monthly service charge. Dividends compounded daily and paid quarterly. Qualifies for a Patronage Dividend.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $99The dividend rate and APY may change monthly as determined by the Board of Directors. | 0.00% | — | The dividend rate and APY may change monthly as determined by the Board of Directors. |
| $100 – $5,000The dividend rate and APY may change monthly as determined by the Board of Directors. | 0.25% | — | The dividend rate and APY may change monthly as determined by the Board of Directors. |
| $5,001 – $20,000The dividend rate and APY may change monthly as determined by the Board of Directors. | 0.25% | $25 | The dividend rate and APY may change monthly as determined by the Board of Directors. |
| $20,001 – $50,000The dividend rate and APY may change monthly as determined by the Board of Directors. | 0.25% | — | The dividend rate and APY may change monthly as determined by the Board of Directors. |
| $50,001 and upThe dividend rate and APY may change monthly as determined by the Board of Directors. | 0.25% | — | The dividend rate and APY may change monthly as determined by the Board of Directors. |
Sub Savings Accounts
0.25%APY
Sub Savings include all the same benefits and rates as Regular Savings (with exception of debit card). Minimum $5 to open. Earn dividends on balances of $100 or greater. No monthly service charge.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $99 | 0.00% | — |
| $100 – $5,000 | 0.25% | — |
| $5,001 – $20,000 | 0.25% | $25 |
| $20,001 – $50,000 | 0.25% | — |
| $50,001 and up | 0.25% | — |
Sources (1)
- westerndivision.org/regular-savings · captured Oct 5, 2026
Special-purpose accounts
IRA Savings
0.25%APY
Available as Traditional IRA or Roth IRA. No minimum balance. Earn dividends on balances of $100 or greater. No monthly service charge. Insured by NCUA. Dividends compounded daily and paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $99 | 0.00% | — |
| $100 – $5,000 | 0.25% | — |
| $5,001 – $20,000 | 0.25% | $25 |
| $20,001 – $50,000 | 0.50% | — |
| $50,001 and up | 0.75% | — |
Sources (1)
- westerndivision.org/iras · captured Oct 5, 2026
Holiday Club
0.25%APY
Conveniently save money throughout the year for a financially stress-free holiday season. Establish this account anytime during the year for easy systematic savings. No minimum balance required. Earn Dividends with the first deposit. No monthly service charge. Payout distributed on October 1st. No withdrawals allowed without penalty. Dividends credited annually before payout and not compounded. Automatically renews every year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are calculated using a daily balance method and are credited annually and not compounded. Payout distributed on October 1st. No withdrawals allowed without penalty.Any balance | 0.25% | $25 | Dividends are calculated using a daily balance method and are credited annually and not compounded. Payout distributed on October 1st. No withdrawals allowed without penalty. |
Who can join Western Division Federal Credit Union
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