Credit union · NCUA insured
White Rose Credit Union Savings Rates
Top CarrotWhite Rose Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How White Rose Credit Union’s savings rates compare
Compared with banks and credit unions near York, PA, where White Rose Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
White Rose Credit Union
1.00%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $100
Money Market Account
Top rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Univest
3.75%APY
- Minimum
- —
- Earns on $10,000 a year
- $375
White Rose Credit Union savings score
84
Savings score
Higher than 66% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.65%
- QualifiedQualified1.00%
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 White Rose 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
1.00%APY
Must live, work, worship, attend school or own a business in York or Adams County Pennsylvania to become a member. The minimum balance is $5,000 to open and maintain a Money Market Account. There is no monthly fee for maintaining a Money Market Account. There is a $10 fee if your balance falls below $5,000 during the dividend period.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $10,000There is no monthly fee for maintaining a Money Market Account. There is a $10 fee if your balance falls below $5,000 during the dividend period. | 1.00% | — | There is no monthly fee for maintaining a Money Market Account. There is a $10 fee if your balance falls below $5,000 during the dividend period. |
| $10,000 – $25,000There is no monthly fee for maintaining a Money Market Account. There is a $10 fee if your balance falls below $5,000 during the dividend period. | 1.00% | $100 | There is no monthly fee for maintaining a Money Market Account. There is a $10 fee if your balance falls below $5,000 during the dividend period. |
| $25,000 – $50,000There is no monthly fee for maintaining a Money Market Account. There is a $10 fee if your balance falls below $5,000 during the dividend period. | 1.25% | — | There is no monthly fee for maintaining a Money Market Account. There is a $10 fee if your balance falls below $5,000 during the dividend period. |
| $50,000 – $100,000There is no monthly fee for maintaining a Money Market Account. There is a $10 fee if your balance falls below $5,000 during the dividend period. | 1.40% | — | There is no monthly fee for maintaining a Money Market Account. There is a $10 fee if your balance falls below $5,000 during the dividend period. |
| $100,000 – $250,000There is no monthly fee for maintaining a Money Market Account. There is a $10 fee if your balance falls below $5,000 during the dividend period. | 1.65% | — | There is no monthly fee for maintaining a Money Market Account. There is a $10 fee if your balance falls below $5,000 during the dividend period. |
| $250,000 and upThere is no monthly fee for maintaining a Money Market Account. There is a $10 fee if your balance falls below $5,000 during the dividend period. | 1.75% | — | There is no monthly fee for maintaining a Money Market Account. There is a $10 fee if your balance falls below $5,000 during the dividend period. |
Share Savings (Regular Share Account)
0.10%APY
Basic savings account required for credit union membership. Minimum balance of $5 and a one-time $1 membership fee. Must live, work, worship, attend school, or own a business in York or Adams County, Pennsylvania.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $49Balance tier $0 - $49. | 0.00% | — | Balance tier $0 - $49. |
| Up to $2,500Balance tier $50.00 – $2,499.99. | 0.10% | — | Balance tier $50.00 – $2,499.99. |
| $2,500 – $10,000Balance tier $2,500.00 – $9,999.99. | 0.10% | — | Balance tier $2,500.00 – $9,999.99. |
| $10,000 and upBalance tier $10,000.00 & up. | 0.10% | $10 | Balance tier $10,000.00 & up. |
Sources (3)
All captured Sep 17, 2026
Special-purpose accounts
Coverdell Education Savings Account
0.50%APY
Nondeductible contributions for educational expenses with potential for tax-free withdrawals. Must live, work, worship, attend school, or own a business in York or Adams County, Pennsylvania to become a member.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate savings account option.Any balance | 0.50% | $50 | Variable rate savings account option. |
Sources (3)
All captured Sep 17, 2026
IRA Share Account
0.50%APY
Traditional and Roth IRA share accounts. Must live, work, worship, attend school, or own a business in York or Adams County, Pennsylvania to become a member. Income and contribution limits apply per IRS rules.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable for Traditional IRA and Roth IRA share accounts. No minimum balance to open and maintain. No monthly fee.Any balance | 0.50% | $50 | Available for Traditional IRA and Roth IRA share accounts. No minimum balance to open and maintain. No monthly fee. |
Sources (3)
All captured Sep 17, 2026
Christmas Club (Noel)
0.15%APY
No minimum balance, no early withdrawal fees. Funds are transferred to regular savings automatically every October. Dividends paid monthly based upon daily balances. Rates and split balances subject to change monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required. No monthly fee.Any balance | 0.15% | $15 | No minimum balance required. No monthly fee. |
Tax Club
0.15%APY
No minimum balance, no early withdrawal fees. Dividends paid monthly based upon daily balances. Rates and split balances subject to change monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required. No monthly fee.Any balance | 0.15% | $15 | No minimum balance required. No monthly fee. |
Union Dues Club (Local 229)
0.15%APY
For Local 229 IBEW Electrical Workers Credit Union members. No minimum balance, no early withdrawal fees. Dividends paid monthly based upon daily balances. Rates and split balances subject to change monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required. No monthly fee.Any balance | 0.15% | $15 | No minimum balance required. No monthly fee. |
Vacation Club (Breakaway)
0.15%APY
No minimum balance, no early withdrawal fees. Dividends paid monthly based upon daily balances. Rates and split balances subject to change monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required. No monthly fee.Any balance | 0.15% | $15 | No minimum balance required. No monthly fee. |
Who can join White Rose Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, attends school, or owns a business in York or Adams County, Pennsylvania.
Cost to join
- There is a $1.00 membership fee upon becoming a member.
- A $5.00 deposit is placed into the member's savings account to secure membership, refundable upon closing the membership.
Membership information collected October 5, 2026.