Best Credit Union Savings and Money Market Rates in New York, NY July 6, 2025

You are viewing savings rates from credit unions across New York

Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

NY - July 6, 2025

Savings Account National Average Rate: 0.45% ^?

Credit Unions	APY	MIN
Olean Area Olean Area Branch Restrictions	4.75% 0.35% 0.30% 0.25%	$100,000 $50,000 $25,000 $2,500	Learn More Add Review
Baxter Baxter Branch Restrictions	4.00% 0.40% 0.30% 0.15% 0.10% 0.05%	$15,000 $500,000 $250,000 $100,000 $25,000 $1,000	Learn More Add Review
12 Month Introductory Rate
Quorum Quorum Fcu Headquarters Branch Restrictions	3.75%	$0	Learn More
Rate History: 4.17% → 4.00% → 3.93% → 4.00% → 3.75%
Sharon \| Sep 20, 2023 Have been a member for 15 years and love everything about them: have a HighQ account, and QClassic checking and had a mortgage with them, too. Read More Reviews (2)
Usalliance Usalliance Branch Restrictions	3.75%	$500	Learn More Add Review
Rate History: 4.65% → 4.55% → 3.75%
Jovia Financial Huntington Station Branch Restrictions	3.75% 1.64% 0.20% 0.10%	$5 $10 $2,500 $60	Learn More
Rate History: 5.00% → 4.75% → 4.25% → 4.00% → 3.75%
H \| Apr 25, 2021 It has some of the most inept, cold workers. They do not return calls. You have trouble using payments or transactions by phone as they charge you. For months during COVID no hand sanitizer was present ... Read More Reviews (2)
Corning Corning Branch Restrictions	3.65% 3.15% 2.65% 2.15% 1.65%	$500,000 $250,000 $100,000 $25,000 $2,500	Learn More Add Review
Rate History: 2.30% → 3.65%
Municipal Municipal Branch Restrictions	3.20% 0.05% 0.01%	$100 $4,000 $500	Learn More Add Review
Capital Communications Capital Communicatio Branch Restrictions	3.05% 3.00% 2.65% 2.25% 2.00% 1.50% 1.35%	$1,000,000 $250,000 $100,000 $50,000 $25,000 $10,000 $2,500	Learn More Add Review
Financial Resources Financial Resources Fcu - New York Branch Restrictions	3.03% 2.78% 2.27% 1.51% 1.00%	$500,000 $250,000 $100,000 $10,000 $0	Learn More Add Review
Ridgedale Novartis Branch Restrictions	2.78% 2.02% 1.26% 0.75%	$150,000 $50,000 $5,000 $500	Learn More Add Review
Rate History: 2.27% → 3.04% → 2.78%
Suffolk Suffolk Branch Restrictions	2.75% 0.75% 0.70% 0.50% 0.25%	$1,000,000 $250,000 $100,000 $25,000 $0	Learn More Add Review
Greenstate Restrictions	2.45% 2.25% 2.05% 1.85% 1.65% 1.45%	$1,000,000 $500,000 $250,000 $100,000 $50,000 $2,500	Learn More
Slynyrd \| Nov 11, 2022 It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More Reviews (2)
Navy Federal Credit Union Navy Federal Credit Branch Restrictions	2.25% 2.05% 1.85% 1.65% 1.50% 1.10% 1.06% 0.95%	$1,000,000 $500,000 $250,000 $100,000 $50,000 $25,000 $10,000 $2,500	Learn More
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
Visions Visions Branch Restrictions	2.25% 1.90% 1.65% 1.40% 1.15%	$1,000,000 $500,000 $250,000 $100,000 $0	Learn More Add Review
Rate History: 2.00% → 2.25%
Inner Lakes Inner Lakes Branch Restrictions	2.22% 2.02%	$25,000 $5,000	Learn More Add Review
Rate History: 1.87% → 2.48% → 2.22%
Saint Lawrence Saint Lawrence Branch Restrictions	2.02% 0.25%	$0 $5,000	Learn More Add Review
Municipal Municipal Branch Restrictions	2.02% 1.76% 0.90% 0.65%	$25,000 $50,000 $10,000 $0	Learn More Add Review
Rate History: 1.41% → 1.51% → 2.02% → 1.51% → 2.02%
American Airlines American Airlines Branch Restrictions	2.02%	$5	Learn More
jose \| Jun 12, 2017 five star......great location...fast service Read More Reviews (1)
Baxter Baxter Branch Restrictions	2.00% 1.50% 0.01%	$25,000 $25 $0	Learn More Add Review
Rate History: 2.50% → 2.00%
Jovia Financial Huntington Station Branch Restrictions	2.00% 1.50% 1.25% 1.00% 0.75% 0.50%	$5,000,000 $250,000 $100,000 $50,000 $25,000 $0	Learn More
H \| Apr 25, 2021 It has some of the most inept, cold workers. They do not return calls. You have trouble using payments or transactions by phone as they charge you. For months during COVID no hand sanitizer was present ... Read More Reviews (2)
Quorum Quorum Fcu Headquarters Branch Restrictions	1.70% 1.44% 1.20% 0.70% 0.45%	$250,000 $100,000 $25,000 $10,000 $0	Learn More
Rate History: 1.69% → 1.70%
Sharon \| Sep 20, 2023 Have been a member for 15 years and love everything about them: have a HighQ account, and QClassic checking and had a mortgage with them, too. Read More Reviews (2)
Suma Suma Yonkers Branch Restrictions	1.67%	$0	Learn More Add Review
Rate History: 2.28% → 2.02% → 1.67%
G.p.o. G.p.o. Branch Restrictions	1.60% 1.40% 1.30%	$50,000 $20,000 $2,000	Learn More Add Review
Access Access Branch Restrictions	1.60% 1.15%	$25,000 $10,000	Learn More Add Review
Rate History: 1.35% → 1.60%
Empower Palatine Bridge Branch Restrictions	1.55% 1.45% 1.35% 1.25% 1.15% 1.05%	$250,000 $100,000 $50,000 $25,000 $10,000 $2,500	Learn More Add Review
N C P D N C P D Branch Restrictions	1.51%	$0	Learn More
Kingculture \| Mar 26, 2021 Moses Raphael Read More Reviews (1)
Teachers Teachers Branch Restrictions	1.50% 1.10% 1.00% 0.75% 0.60% 0.50%	$500,000 $250,000 $100,000 $50,000 $25,000 $2,500	Learn More Add Review
Rate History: 1.75% → 1.60% → 1.50%
The Summit The Summit Fcu Branch Restrictions	1.40% 1.20% 1.10% 1.00% 0.80% 0.50%	$150,000 $75,000 $50,000 $25,000 $10,000 $1,500	Learn More
Rate History: 1.65% → 1.60% → 1.50% → 1.40%
ashes201@verizon.net \| Apr 12, 2019 Your website states 11 months IRA CD at 3% but when I called in morning, I was told that it expired on 4/10. please update your website. Read More Reviews (1)
Greenstate Restrictions	1.25% 0.05%	$100 $101	Learn More
Slynyrd \| Nov 11, 2022 It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More Reviews (2)
Adirondack Regional Adirondack Regional Branch Restrictions	1.25%	$2,500	Learn More Add Review
Mohawk Valley Mohawk Valley Branch Restrictions	1.21% 1.01%	$25,000 $2,500	Learn More Add Review
United Nations United Nations Branch Restrictions	1.20% 1.10% 1.05%	$25,000 $2,500 $0	Learn More Add Review
Rate History: 1.35% → 1.20%
Bethpage Liu Branch Restrictions	1.20% 0.95% 0.55% 0.45% 0.20% 0.10%	$500,000 $250,000 $100,000 $50,000 $500 $0	Learn More
Rate History: 2.00% → 1.50% → 1.35% → 1.20%
MY OPINION \| Sep 4, 2019 BETHPAGE CREDIT UNION IS THE BEST.. Read More Reviews (1)
First Source First Source Branch Restrictions	1.10% 1.00%	$10,000 $1	Learn More Add Review
Sea Comm Branch - Malone Restrictions	1.00% 0.60% 0.45% 0.35% 0.25%	$100,000 $50,000 $25,000 $10,000 $2,500	Learn More Add Review
Americu Americu Branch Restrictions	1.00% 0.90% 0.80% 0.60% 0.50% 0.40% 0.25%	$1,000,000 $250,000 $100,000 $50,000 $25,000 $10,000 $2,500	Learn More Add Review
Corning Corning Branch Restrictions	1.00% 0.75% 0.60% 0.50%	$25,000 $10,000 $2,500 $0	Learn More Add Review
Xcel Xcel Branch Restrictions	0.90% 0.75% 0.65% 0.50%	$25,000 $10,000 $2,500 $1,000	Learn More Add Review
Rate History: 1.16% → 0.90%
Esl Esl Branch Restrictions	0.80% 0.60% 0.45%	$25,000 $10,000 $2,500	Learn More Add Review
Rate History: 0.85% → 0.80%
Affinity Restrictions	0.75%	$0	Learn More Add Review
Rate History: 4.00% → 1.00% → 0.75%
Saint Lawrence Saint Lawrence Branch Restrictions	0.70% 0.60% 0.42% 0.30% 0.10%	$200,000 $75,000 $25,000 $5,000 $0	Learn More Add Review
Hudson River Financial Hudson River Teacher Branch Restrictions	0.63%	$25,000	Learn More Add Review
Usalliance Usalliance Branch Restrictions	0.60% 0.50% 0.40% 0.25% 0.15% 0.10% 0.07%	$1,000,000 $500,000 $250,000 $100,000 $50,000 $10,000 $2,000	Learn More Add Review
Ukrainian Ukrainian Branch Restrictions	0.60%	$25,000	Learn More Add Review
Empower Palatine Bridge Branch Restrictions	0.55%	$0	Learn More Add Review
Solutions Solutions Branch	0.50%	$2,500	Learn More Add Review
Ed-med Main Office Branch	0.50%	$2,500	Learn More Add Review
Ukrainian Ukrainian Branch Restrictions	0.50%	$2,500	Learn More Add Review
Hudson Valley Restrictions	0.50% 0.30% 0.20% 0.15%	$250,000 $100,000 $50,000 $500	Learn More Add Review
Hudson River Financial Hudson River Teacher Branch Restrictions	0.48%	$10,000	Learn More Add Review
Inner Lakes Inner Lakes Branch Restrictions	0.45% 0.40% 0.35%	$35,000 $15,000 $5	Learn More Add Review
Rate History: 0.65% → 0.55% → 0.45%
Ridgedale Novartis Branch Restrictions	0.40%	$100	Learn More Add Review
Rate History: 0.03% → 0.05% → 0.50% → 0.40%
Good Neighbors Lancaster - Depew Branch Restrictions	0.40%	$2,500	Learn More Add Review
First Source First Source Branch Restrictions	0.35%	$1,000	Learn More Add Review
Great Meadow Great Meadow Branch Restrictions	0.35%	$25,000	Learn More Add Review
Great Erie O P C S Branch Restrictions	0.35%	$25,000	Learn More Add Review
Meridia Community Eden Branch Restrictions	0.35%	$25,000	Learn More Add Review
Reliant Community Reliant Community Branch Restrictions	0.35%	$25,000	Learn More Add Review
Greater Chautauqua Greater Chautauqua Branch Restrictions	0.35%	$25,000	Learn More Add Review
Southern Chautauqua Southern Chautauqua Branch Restrictions	0.35%	$25,000	Learn More Add Review
People's Alliance People's Alliance Branch Restrictions	0.35%	$25,000	Learn More Add Review
Qside Qside Branch Restrictions	0.35%	$50,000	Learn More Add Review
Visions Visions Branch Restrictions	0.35% 0.20%	$50,000 $0	Learn More Add Review
Rate History: 0.85% → 0.35%
Hudson River Financial Hudson River Teacher Branch Restrictions	0.34%	$2,500	Learn More Add Review
Palisades Palisades Branch Restrictions	0.30% 0.25% 0.20% 0.15% 0.10% 0.05%	$250,000 $100,000 $50,000 $25,000 $10,000 $2,500	Learn More Add Review
Great Erie O P C S Branch Restrictions	0.30%	$2,500	Learn More Add Review
Financial Trust West Seneca Branch Restrictions	0.30%	$2,500	Learn More Add Review
Pittsford Pittsford Branch Restrictions	0.30%	$0	Learn More Add Review
Rate History: 0.75% → 0.60% → 0.50% → 0.40% → 0.30%
Together Anheuser-busch Emplo Branch Restrictions	0.30%	$25,000	Learn More Add Review
Greater Chautauqua Greater Chautauqua Branch Restrictions	0.30%	$2,500	Learn More Add Review
Southern Chautauqua Southern Chautauqua Branch Restrictions	0.30%	$2,500	Learn More Add Review
Centra Centra Branch Restrictions	0.30%	$25,000	Learn More
Jason crook \| Mar 14, 2020 One thing I hate about Centra Credit f***** Union they have no customer service help at all whatsoever. After hours that sucks ass Read More* Reviews (1)
Alco Alco Branch Restrictions	0.30%	$2,500	Learn More Add Review
Horizons Horizons Fcu Branch Restrictions	0.30%	$2,500	Learn More Add Review
People's Alliance People's Alliance Branch Restrictions	0.30%	$2,500	Learn More Add Review
Qside Qside Branch Restrictions	0.30%	$25,000	Learn More Add Review
Olean Area Olean Area Branch Restrictions	0.27% 0.20%	$25,000 $300	Learn More Add Review
Star Usa Restrictions	0.25%	$50,000	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
Suma Suma Yonkers Branch Restrictions	0.25%	$50	Learn More Add Review
Navy Federal Credit Union Navy Federal Credit Branch Restrictions	0.25%	$5	Learn More
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
Adirondack Regional Adirondack Regional Branch Restrictions	0.25%	$2,500	Learn More Add Review
Northern	0.25%	$10,000	Learn More Add Review
G.p.o. G.p.o. Branch Restrictions	0.25%	$50	Learn More Add Review
Great Meadow Great Meadow Branch Restrictions	0.25%	$2,500	Learn More Add Review
Ontario Shores Ontario Shores Branch	0.25%	$25,000	Learn More Add Review
Empire One Buffalo Postal Commu Branch Restrictions	0.25%	$25,000	Learn More Add Review
Meridia Community Eden Branch Restrictions	0.25%	$2,500	Learn More Add Review
Advantage Rit Branch Restrictions	0.25%	$25,000	Learn More Add Review
Xceed Financial Xceed Financial Branch Restrictions	0.25%	$10,000	Learn More Add Review
Reliant Community Reliant Community Branch Restrictions	0.25%	$10,000	Learn More Add Review
Cfcu Community Cfcu Community Branch Restrictions	0.25%	$25,000	Learn More Add Review
Together Anheuser-busch Emplo Branch Restrictions	0.25%	$2,500	Learn More Add Review
Access Access Branch Restrictions	0.25%	$25	Learn More Add Review
Ghs Court St Branch Restrictions	0.25%	$10,000	Learn More Add Review
Teg Teg Branch Restrictions	0.25%	$10,000	Learn More Add Review
Qside Qside Branch Restrictions	0.25%	$10,000	Learn More Add Review
Cfcu Community Cfcu Community Branch Restrictions	0.22%	$10,000	Learn More Add Review
Edu Restrictions	0.20%	$0	Learn More Add Review
Ufirst Ufirst Branch Restrictions	0.20%	$25,000	Learn More Add Review
Dannemora Dannemora Branch Restrictions	0.20%	$25,000	Learn More Add Review
Community Resource Community Resource Branch Restrictions	0.20%	$10,000	Learn More Add Review
Cornerstone Community Cornerstone Communit Branch Restrictions	0.20%	$25,000	Learn More Add Review
Ontario Shores Ontario Shores Branch	0.20%	$10,000	Learn More Add Review
Western Division Western Division Branch Restrictions	0.20%	$2,500	Learn More Add Review
Riverside Riverside Branch Restrictions	0.20%	$20,000	Learn More Add Review
Empire One Buffalo Postal Commu Branch Restrictions	0.20%	$10,000	Learn More Add Review
Buffalo Metropolitan Buffalo Metropolitan Branch Restrictions	0.20%	$25,000	Learn More Add Review
Xceed Financial Xceed Financial Branch Restrictions	0.20%	$2,500	Learn More Add Review
Finger Lakes Willard Branch Restrictions	0.20%	$25,000	Learn More Add Review
Cfcu Community Cfcu Community Branch Restrictions	0.20%	$2,500	Learn More Add Review
Crossroads Community Crossroads Community Branch Restrictions	0.20%	$10,000	Learn More Add Review
Affinity One Affinity One Branch Restrictions	0.20%	$25,000	Learn More Add Review
Centra Centra Branch Restrictions	0.20%	$10,000	Learn More
Jason crook \| Mar 14, 2020 One thing I hate about Centra Credit f***** Union they have no customer service help at all whatsoever. After hours that sucks ass Read More* Reviews (1)
C C S E C C S E Branch	0.20%	$25,000	Learn More Add Review
Alco Alco Branch Restrictions	0.20%	$2,500	Learn More Add Review
Partners 1st Partners 1st Branch Restrictions	0.20%	$10,000	Learn More Add Review
Mid-hudson Valley Hurley Avenue Branch Restrictions	0.20% 0.05%	$25,000 $100	Learn More
Phillips \| May 25, 2022 Your CD are lower than HUDSON Valley Credit Union .At one time you where good. 5-25-22 Read More Reviews (1)
Greater Metro Greater Metro Branch Restrictions	0.20%	$2,500	Learn More Add Review
Hudson River Financial Hudson River Teacher Branch Restrictions	0.20%	$2,500	Learn More Add Review
Qside Qside Branch Restrictions	0.20%	$2,500	Learn More Add Review
Justice Justice Branch Restrictions	0.20%	$25,000	Learn More Add Review
Ukrainian National Ukrainian National Branch Restrictions	0.20% 0.01%	$2,500 $50	Learn More Add Review
Affinity One Affinity One Branch Restrictions	0.18%	$10,000	Learn More Add Review
Star Usa Restrictions	0.15%	$2,500	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
Buffalo Metropolitan Buffalo Metropolitan Branch Restrictions	0.15%	$10,000	Learn More Add Review
Peru Peru Central School Branch	0.15%	$2,500	Learn More Add Review
Dannemora Dannemora Branch Restrictions	0.15%	$10,000	Learn More Add Review
Great Meadow Great Meadow Branch Restrictions	0.15%	$2,500	Learn More Add Review
Hudson River Community Hudson River Communi Branch Restrictions	0.15%	$2,500	Learn More Add Review
Ontario Shores Ontario Shores Branch	0.15%	$2,500	Learn More Add Review
Western Division Western Division Branch Restrictions	0.15%	$2,500	Learn More Add Review
Riverside Riverside Branch Restrictions	0.15%	$3,000	Learn More Add Review
Clarence Community & Schools Clarence Community & Branch	0.15%	$25,000	Learn More Add Review
Empire One Buffalo Postal Commu Branch Restrictions	0.15%	$2,500	Learn More Add Review
Town Of Cheektowaga Town Of Cheektowaga Branch	0.15%	$2,500	Learn More Add Review
Advantage Rit Branch Restrictions	0.15%	$10,000	Learn More Add Review
Family First Of Ny East Rochester / Perinton Branch Restrictions	0.15%	$10,000	Learn More Add Review
Finger Lakes Willard Branch Restrictions	0.15%	$10,000	Learn More Add Review
Reliant Community Reliant Community Branch Restrictions	0.15%	$2,500	Learn More Add Review
First Heritage First Heritage Branch Restrictions	0.15%	$2,500	Learn More Add Review
Servu Servu Branch Restrictions	0.15%	$2,500	Learn More Add Review
First New York Wall St Location Branch Restrictions	0.15%	$25,000	Learn More Add Review
General Electric Employees General Electric Emp Branch Restrictions	0.15%	$25,000	Learn More Add Review
Mohawk Valley Mohawk Valley Branch Restrictions	0.15%	$100	Learn More Add Review
Sunmark	0.15%	$25,000	Learn More Add Review
Crossroads Community Crossroads Community Branch Restrictions	0.15%	$2,500	Learn More Add Review
Affinity One Affinity One Branch Restrictions	0.15%	$2,500	Learn More Add Review
Centra Centra Branch Restrictions	0.15%	$2,500	Learn More
Jason crook \| Mar 14, 2020 One thing I hate about Centra Credit f***** Union they have no customer service help at all whatsoever. After hours that sucks ass Read More* Reviews (1)
C C S E C C S E Branch	0.15%	$2,500	Learn More Add Review
Solutions Solutions Branch	0.15%	$2,500	Learn More Add Review
Sidney Sidney Branch Restrictions	0.15%	$10,000	Learn More Add Review
Ulster Ulster Branch Restrictions	0.15%	$2,500	Learn More Add Review
Greater Metro Greater Metro Branch Restrictions	0.15%	$2,500	Learn More Add Review
Teg Teg Branch Restrictions	0.15%	$2,500	Learn More Add Review
Sperry Associates Sperry Associates Branch Restrictions	0.15%	$2,500	Learn More Add Review
Justice Justice Branch Restrictions	0.15%	$2,500	Learn More Add Review
Advantage Financial Dva Branch Restrictions	0.15%	$2,500	Learn More Add Review
Pentagon Pentagon Branch Restrictions	0.15% 0.05%	$100,000 $0	Learn More
Rob \| Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More Reviews (15)
Ufirst Ufirst Branch Restrictions	0.13%	$25,000	Learn More Add Review
Capital Communications Capital Communicatio Branch Restrictions	0.12%	$2,500	Learn More Add Review
Rate History: 0.15% → 0.12%
Star Usa Restrictions	0.10%	$10	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
Xcel Xcel Branch Restrictions	0.10%	$50	Learn More Add Review
Northern	0.10%	$2,500	Learn More Add Review
Trailnorth Ticonderoga Branch Restrictions	0.10%	$2,500	Learn More Add Review
Americu Americu Branch Restrictions	0.10% 0.05%	$5,000 $2,500	Learn More Add Review
Hudson River Community Hudson River Communi Branch Restrictions	0.10%	$25,000	Learn More Add Review
Community Resource Community Resource Branch Restrictions	0.10%	$2,500	Learn More Add Review
Ontario Shores Ontario Shores Branch	0.10%	$2,500	Learn More Add Review
Ukrainian Ukrainian Branch Restrictions	0.10%	$2,500	Learn More Add Review
Western New York Western New York Branch Restrictions	0.10%	$2,500	Learn More Add Review
Great Erie O P C S Branch Restrictions	0.10%	$2,500	Learn More Add Review
Buffalo Service Buffalo Service Branch Restrictions	0.10%	$2,500	Learn More Add Review
Meridia Community Eden Branch Restrictions	0.10%	$2,500	Learn More Add Review
Good Neighbors Lancaster - Depew Branch Restrictions	0.10%	$2,500	Learn More Add Review
Financial Trust West Seneca Branch Restrictions	0.10%	$2,500	Learn More Add Review
Geico Geico Branch Restrictions	0.10%	$25,000	Learn More Add Review
Buffalo Metropolitan Buffalo Metropolitan Branch Restrictions	0.10%	$1,000	Learn More Add Review
Advantage Rit Branch Restrictions	0.10%	$2,500	Learn More Add Review
Finger Lakes Willard Branch Restrictions	0.10%	$2,500	Learn More Add Review
Reliant Community Reliant Community Branch Restrictions	0.10%	$2,500	Learn More Add Review
First Heritage First Heritage Branch Restrictions	0.10%	$2,500	Learn More Add Review
Alternatives Alternatives Branch Restrictions	0.10%	$25,000	Learn More Add Review
Auburn Community Auburn Community Branch Restrictions	0.10%	$25,000	Learn More Add Review
Syracuse Cooperative Syracuse Cooperative Branch	0.10%	$2,500	Learn More Add Review
First New York Wall St Location Branch Restrictions	0.10%	$2,500	Learn More Add Review
General Electric Employees General Electric Emp Branch Restrictions	0.10%	$2,500	Learn More Add Review
Together Anheuser-busch Emplo Branch Restrictions	0.10%	$2,500	Learn More Add Review
Sunmark	0.10%	$2,500	Learn More Add Review
Cheektowaga Community Cheektowaga Communit Branch	0.10%	$2,500	Learn More Add Review
Greater Chautauqua Greater Chautauqua Branch Restrictions	0.10%	$2,500	Learn More Add Review
Affinity One Affinity One Branch Restrictions	0.10%	$2,500	Learn More Add Review
Southern Chautauqua Southern Chautauqua Branch Restrictions	0.10%	$2,500	Learn More Add Review
Centra Centra Branch Restrictions	0.10%	$2,500	Learn More
Jason crook \| Mar 14, 2020 One thing I hate about Centra Credit f***** Union they have no customer service help at all whatsoever. After hours that sucks ass Read More* Reviews (1)
C C S E C C S E Branch	0.10%	$2,500	Learn More Add Review
Olean Teachers' And Postal Olean Teachers' And Branch	0.10%	$2,500	Learn More Add Review
Partners 1st Partners 1st Branch Restrictions	0.10%	$2,500	Learn More Add Review
Horizons Horizons Fcu Branch Restrictions	0.10%	$2,500	Learn More Add Review
Ghs Court St Branch Restrictions	0.10%	$2,500	Learn More Add Review
People's Alliance People's Alliance Branch Restrictions	0.10%	$2,500	Learn More Add Review
Sperry Associates Sperry Associates Branch Restrictions	0.10%	$2,500	Learn More Add Review
Teachers Teachers Branch Restrictions	0.10%	$1	Learn More Add Review
Rate History: 0.10% → 0.05% → 0.10% → 1.50% → 0.10%
Pentagon Pentagon Branch Restrictions	0.10%	$10,000	Learn More
Rob \| Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More Reviews (15)
Broadview Clifton Park Branch Restrictions	0.10%	$0	Learn More Add Review
Rate History: 0.15% → 0.10%
Crossroads Community Crossroads Community Branch Restrictions	0.07%	$2,500	Learn More Add Review
Sidney Sidney Branch Restrictions	0.07%	$2,500	Learn More Add Review
Star Usa Restrictions	0.05%	$5	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
Riverside Riverside Branch Restrictions	0.05%	$100	Learn More Add Review
Twin Rivers Twin Rivers Branch Restrictions	0.05%	$2,500	Learn More Add Review
Ufirst Ufirst Branch Restrictions	0.05%	$2,500	Learn More Add Review
Dannemora Dannemora Branch Restrictions	0.05%	$2,500	Learn More Add Review
Trailnorth Ticonderoga Branch Restrictions	0.05%	$2,500	Learn More Add Review
Hudson River Community Hudson River Communi Branch Restrictions	0.05%	$10,000	Learn More Add Review
Cornerstone Community Cornerstone Communit Branch Restrictions	0.05%	$2,500	Learn More Add Review
Niagara's Choice Niagara's Choice Branch Restrictions	0.05%	$2,500	Learn More Add Review
Clarence Community & Schools Clarence Community & Branch	0.05%	$2,500	Learn More Add Review
The Summit The Summit Fcu Branch Restrictions	0.05%	$100	Learn More
ashes201@verizon.net \| Apr 12, 2019 Your website states 11 months IRA CD at 3% but when I called in morning, I was told that it expired on 4/10. please update your website. Read More Reviews (1)
Geico Geico Branch Restrictions	0.05%	$10,000	Learn More Add Review
Esl Esl Branch Restrictions	0.05%	$0	Learn More Add Review
Advantage Rit Branch Restrictions	0.05%	$2,500	Learn More Add Review
Xceed Financial Xceed Financial Branch Restrictions	0.05%	$2,500	Learn More Add Review
Family First Of Ny East Rochester / Perinton Branch Restrictions	0.05%	$2,500	Learn More Add Review
Finger Lakes Willard Branch Restrictions	0.05%	$2,500	Learn More Add Review
Cfcu Community Cfcu Community Branch Restrictions	0.05%	$2,500	Learn More Add Review
Alternatives Alternatives Branch Restrictions	0.05%	$2,500	Learn More Add Review
Auburn Community Auburn Community Branch Restrictions	0.05%	$2,500	Learn More Add Review
General Electric Employees General Electric Emp Branch Restrictions	0.05%	$2,500	Learn More Add Review
Sunmark	0.05%	$2,500	Learn More Add Review
Sidney Sidney Branch Restrictions	0.05%	$2,500	Learn More Add Review
Ulster Ulster Branch Restrictions	0.05%	$2,500	Learn More Add Review
Heritage Financial	0.05%	$2,500	Learn More Add Review
Teg Teg Branch Restrictions	0.05%	$2,500	Learn More Add Review
Nassau Financial Nassau Financial Branch Restrictions	0.05%	$2,500	Learn More Add Review
Island Island Branch Restrictions	0.05%	$2,500	Learn More Add Review
Suffolk Suffolk Branch Restrictions	0.05%	$100	Learn More Add Review
Justice Justice Branch Restrictions	0.05%	$2,500	Learn More Add Review
United Nations United Nations Branch Restrictions	0.05%	$1	Learn More Add Review
Advantage Financial Dva Branch Restrictions	0.05%	$2,500	Learn More Add Review
Palisades Palisades Branch Restrictions	0.04%	$50	Learn More Add Review
Family First Of Ny East Rochester / Perinton Branch Restrictions	0.03%	$2,500	Learn More Add Review
A C M G A C M G Branch Restrictions	0.03%	$2,500	Learn More Add Review
Partners 1st Partners 1st Branch Restrictions	0.03%	$2,500	Learn More Add Review
Syracuse Cooperative Syracuse Cooperative Branch	0.02%	$2,500	Learn More Add Review
Hudson Valley Restrictions	0.02%	$0	Learn More Add Review
Edu Restrictions	0.01%	$1	Learn More Add Review
Polish & Slavic Polish & Slavic Branch Restrictions	0.01%	$2,500	Learn More Add Review
Cornerstone Community Cornerstone Communit Branch Restrictions	0.01%	$2,500	Learn More Add Review
Geico Geico Branch Restrictions	0.01%	$2,500	Learn More Add Review
Heritage Financial	0.01%	$2,500	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.

See rates for Local Banks →

Branches Info across New York

Branch	Street	City	State
HIGH POINT Olean Area Olean Area Branch	1201 Wayne St	Olean	NY
BAXTER Baxter Baxter Branch	8 Glens Falls Tech Park	Glens Falls	NY
QUORUM Quorum Fcu Headquarters Quorum Fcu Headquarters Branch	2500 Westchester Ave, Suite 113	Purchase	NY
US Alliance Usalliance Usalliance Branch	600 Midland Ave	Rye	NY
JOVIA FINANCIAL Huntington Station Huntington Station Branch	721 East Jericho Turnpike	Huntington Station	NY
CORNING Corning Corning Branch	One Credit Union Plaza	Corning	NY
MUNICIPAL Municipal Municipal Branch	22 CORTLANDT STREET	NEW YORK	NY
CORNING Corning Corning Branch	One Credit Union Plaza	Corning	NY
Broadview FCU Capital Communicatio Capital Communicatio Branch	18 Computer Drive East	Albany	NY
FINANCIAL RESOURCES Financial Resources Fcu - New York Branch Financial Resources Fcu - New York Branch	55 Water St	New York	NY
Broadview FCU Capital Communicatio Capital Communicatio Branch	18 Computer Drive East	Albany	NY
FINANCIAL RESOURCES Financial Resources Fcu - New York Branch Financial Resources Fcu - New York Branch	55 Water St	New York	NY
RIDGEDALE Novartis Novartis Branch	25 Old Mill Road	Suffern	NY
SUFFOLK Suffolk Suffolk Branch	3681 HORSEBLOCK ROAD	MEDFORD	NY
Broadview FCU Capital Communicatio Capital Communicatio Branch	18 Computer Drive East	Albany	NY
CORNING Corning Corning Branch	One Credit Union Plaza	Corning	NY
FINANCIAL RESOURCES Financial Resources Fcu - New York Branch Financial Resources Fcu - New York Branch	55 Water St	New York	NY
Broadview FCU Capital Communicatio Capital Communicatio Branch	18 Computer Drive East	Albany	NY
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	300 Steamboat Road	Kings Point	NY
VISIONS Visions Visions Branch	3301 Country Club Road	Endwell	NY
INNER LAKES Inner Lakes Inner Lakes Branch	19-21 East Main Street	Westfield	NY
CORNING Corning Corning Branch	One Credit Union Plaza	Corning	NY
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	300 Steamboat Road	Kings Point	NY
SAINT LAWRENCE Saint Lawrence Saint Lawrence Branch	800 Commerce Park Drive	Ogdensburg	NY
RIDGEDALE Novartis Novartis Branch	25 Old Mill Road	Suffern	NY
INNER LAKES Inner Lakes Inner Lakes Branch	19-21 East Main Street	Westfield	NY
MUNICIPAL Municipal Municipal Branch	22 CORTLANDT STREET	NEW YORK	NY
AMERICAN AIRLINES American Airlines American Airlines Branch	1 JFK Airport	Jamaica	NY
BAXTER Baxter Baxter Branch	8 Glens Falls Tech Park	Glens Falls	NY
Broadview FCU Capital Communicatio Capital Communicatio Branch	18 Computer Drive East	Albany	NY
JOVIA FINANCIAL Huntington Station Huntington Station Branch	721 East Jericho Turnpike	Huntington Station	NY
VISIONS Visions Visions Branch	3301 Country Club Road	Endwell	NY
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	300 Steamboat Road	Kings Point	NY
MUNICIPAL Municipal Municipal Branch	22 CORTLANDT STREET	NEW YORK	NY
QUORUM Quorum Fcu Headquarters Quorum Fcu Headquarters Branch	2500 Westchester Ave, Suite 113	Purchase	NY
SUMA Suma Yonkers Suma Yonkers Branch	125 Corporate Blvd	Yonkers	NY
CORNING Corning Corning Branch	One Credit Union Plaza	Corning	NY
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	300 Steamboat Road	Kings Point	NY
VISIONS Visions Visions Branch	3301 Country Club Road	Endwell	NY
JOVIA FINANCIAL Huntington Station Huntington Station Branch	721 East Jericho Turnpike	Huntington Station	NY
G.P.O. G.p.o. G.p.o. Branch	4311 Middle Settlement Rd	New Hartford	NY
ACCESS Access Access Branch	6 Franklin Ave	Clinton	NY
EMPOWER Palatine Bridge Palatine Bridge Branch	121 Palatine Plz	Palatine Bridge	NY
N C P D N C P D N C P D Branch	777 Old Country Road	Plainview	NY
FINANCIAL RESOURCES Financial Resources Fcu - New York Branch Financial Resources Fcu - New York Branch	55 Water St	New York	NY
BAXTER Baxter Baxter Branch	8 Glens Falls Tech Park	Glens Falls	NY
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	300 Steamboat Road	Kings Point	NY
TEACHERS Teachers Teachers Branch	2410 NORTH OCEAN AVENUE	FARMINGVILLE	NY
Broadview FCU Capital Communicatio Capital Communicatio Branch	18 Computer Drive East	Albany	NY
JOVIA FINANCIAL Huntington Station Huntington Station Branch	721 East Jericho Turnpike	Huntington Station	NY
EMPOWER Palatine Bridge Palatine Bridge Branch	121 Palatine Plz	Palatine Bridge	NY
QUORUM Quorum Fcu Headquarters Quorum Fcu Headquarters Branch	2500 Westchester Ave, Suite 113	Purchase	NY
THE SUMMIT The Summit Fcu The Summit Fcu Branch	100 MARINA DR	ROCHESTER	NY
VISIONS Visions Visions Branch	3301 Country Club Road	Endwell	NY
G.P.O. G.p.o. G.p.o. Branch	4311 Middle Settlement Rd	New Hartford	NY
EMPOWER Palatine Bridge Palatine Bridge Branch	121 Palatine Plz	Palatine Bridge	NY
Broadview FCU Capital Communicatio Capital Communicatio Branch	18 Computer Drive East	Albany	NY
G.P.O. G.p.o. G.p.o. Branch	4311 Middle Settlement Rd	New Hartford	NY
RIDGEDALE Novartis Novartis Branch	25 Old Mill Road	Suffern	NY
EMPOWER Palatine Bridge Palatine Bridge Branch	121 Palatine Plz	Palatine Bridge	NY
ADIRONDACK REGIONAL Adirondack Regional Adirondack Regional Branch	280 Park Street	Tupper Lake	NY
JOVIA FINANCIAL Huntington Station Huntington Station Branch	721 East Jericho Turnpike	Huntington Station	NY
MOHAWK VALLEY Mohawk Valley Mohawk Valley Branch	207 Genesee St	Utica	NY
QUORUM Quorum Fcu Headquarters Quorum Fcu Headquarters Branch	2500 Westchester Ave, Suite 113	Purchase	NY
THE SUMMIT The Summit Fcu The Summit Fcu Branch	100 MARINA DR	ROCHESTER	NY
UNITED NATIONS United Nations United Nations Branch	24-01 44th Road	Long Island Cit	NY
BETHPAGE Liu Liu Branch	700 Northern Blvd	Greenvale	NY
EMPOWER Palatine Bridge Palatine Bridge Branch	121 Palatine Plz	Palatine Bridge	NY
VISIONS Visions Visions Branch	3301 Country Club Road	Endwell	NY
ACCESS Access Access Branch	6 Franklin Ave	Clinton	NY
THE SUMMIT The Summit Fcu The Summit Fcu Branch	100 MARINA DR	ROCHESTER	NY
FIRST SOURCE First Source First Source Branch	4451 Commercial Drive	New Hartford	NY
TEACHERS Teachers Teachers Branch	2410 NORTH OCEAN AVENUE	FARMINGVILLE	NY
UNITED NATIONS United Nations United Nations Branch	24-01 44th Road	Long Island Cit	NY
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	300 Steamboat Road	Kings Point	NY
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	300 Steamboat Road	Kings Point	NY
EMPOWER Palatine Bridge Palatine Bridge Branch	121 Palatine Plz	Palatine Bridge	NY
UNITED NATIONS United Nations United Nations Branch	24-01 44th Road	Long Island Cit	NY
MOHAWK VALLEY Mohawk Valley Mohawk Valley Branch	207 Genesee St	Utica	NY
FINANCIAL RESOURCES Financial Resources Fcu - New York Branch Financial Resources Fcu - New York Branch	55 Water St	New York	NY
SEA COMM Branch - Malone Branch - Malone	3349 State Route 11	Malone	NY
AMERICU Americu Americu Branch	1916 Black River Blvd	Rome	NY
FIRST SOURCE First Source First Source Branch	4451 Commercial Drive	New Hartford	NY
THE SUMMIT The Summit Fcu The Summit Fcu Branch	100 MARINA DR	ROCHESTER	NY
JOVIA FINANCIAL Huntington Station Huntington Station Branch	721 East Jericho Turnpike	Huntington Station	NY
TEACHERS Teachers Teachers Branch	2410 NORTH OCEAN AVENUE	FARMINGVILLE	NY
CORNING Corning Corning Branch	One Credit Union Plaza	Corning	NY
BETHPAGE Liu Liu Branch	700 Northern Blvd	Greenvale	NY
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	300 Steamboat Road	Kings Point	NY
AMERICU Americu Americu Branch	1916 Black River Blvd	Rome	NY
MUNICIPAL Municipal Municipal Branch	22 CORTLANDT STREET	NEW YORK	NY
XCEL Xcel Xcel Branch	26 Federal Plaza, Room 1702	New York	NY
AMERICU Americu Americu Branch	1916 Black River Blvd	Rome	NY
THE SUMMIT The Summit Fcu The Summit Fcu Branch	100 MARINA DR	ROCHESTER	NY
ESL Esl Esl Branch	225 Chestnut Street	Rochester	NY
SUFFOLK Suffolk Suffolk Branch	3681 HORSEBLOCK ROAD	MEDFORD	NY
RIDGEDALE Novartis Novartis Branch	25 Old Mill Road	Suffern	NY
XCEL Xcel Xcel Branch	26 Federal Plaza, Room 1702	New York	NY
JOVIA FINANCIAL Huntington Station Huntington Station Branch	721 East Jericho Turnpike	Huntington Station	NY
TEACHERS Teachers Teachers Branch	2410 NORTH OCEAN AVENUE	FARMINGVILLE	NY
CORNING Corning Corning Branch	One Credit Union Plaza	Corning	NY
QUORUM Quorum Fcu Headquarters Quorum Fcu Headquarters Branch	2500 Westchester Ave, Suite 113	Purchase	NY
SAINT LAWRENCE Saint Lawrence Saint Lawrence Branch	800 Commerce Park Drive	Ogdensburg	NY
SUFFOLK Suffolk Suffolk Branch	3681 HORSEBLOCK ROAD	MEDFORD	NY
XCEL Xcel Xcel Branch	26 Federal Plaza, Room 1702	New York	NY
MUNICIPAL Municipal Municipal Branch	22 CORTLANDT STREET	NEW YORK	NY
HUDSON RIVER FINANCIAL Hudson River Teacher Hudson River Teacher Branch	3563 Mohegan Ave	Mohegan Lake	NY
US Alliance Usalliance Usalliance Branch	600 Midland Ave	Rye	NY
SAINT LAWRENCE Saint Lawrence Saint Lawrence Branch	800 Commerce Park Drive	Ogdensburg	NY
SEA COMM Branch - Malone Branch - Malone	3349 State Route 11	Malone	NY
AMERICU Americu Americu Branch	1916 Black River Blvd	Rome	NY
UKRAINIAN Ukrainian Ukrainian Branch	824 Ridge Rd East	Rochester	NY
ESL Esl Esl Branch	225 Chestnut Street	Rochester	NY
CORNING Corning Corning Branch	One Credit Union Plaza	Corning	NY
TEACHERS Teachers Teachers Branch	2410 NORTH OCEAN AVENUE	FARMINGVILLE	NY
EMPOWER Palatine Bridge Palatine Bridge Branch	121 Palatine Plz	Palatine Bridge	NY
BETHPAGE Liu Liu Branch	700 Northern Blvd	Greenvale	NY
SOLUTIONS Solutions Solutions Branch	907 Broadway	Elmira	NY
CORNING Corning Corning Branch	One Credit Union Plaza	Corning	NY
XCEL Xcel Xcel Branch	26 Federal Plaza, Room 1702	New York	NY
ED-MED Main Office Main Office Branch	601 FORD ST	OGDENSBURG	NY
AMERICU Americu Americu Branch	1916 Black River Blvd	Rome	NY
UKRAINIAN Ukrainian Ukrainian Branch	824 Ridge Rd East	Rochester	NY
THE SUMMIT The Summit Fcu The Summit Fcu Branch	100 MARINA DR	ROCHESTER	NY
JOVIA FINANCIAL Huntington Station Huntington Station Branch	721 East Jericho Turnpike	Huntington Station	NY
TEACHERS Teachers Teachers Branch	2410 NORTH OCEAN AVENUE	FARMINGVILLE	NY
SUFFOLK Suffolk Suffolk Branch	3681 HORSEBLOCK ROAD	MEDFORD	NY
US Alliance Usalliance Usalliance Branch	600 Midland Ave	Rye	NY
HUDSON RIVER FINANCIAL Hudson River Teacher Hudson River Teacher Branch	3563 Mohegan Ave	Mohegan Lake	NY
INNER LAKES Inner Lakes Inner Lakes Branch	19-21 East Main Street	Westfield	NY
QUORUM Quorum Fcu Headquarters Quorum Fcu Headquarters Branch	2500 Westchester Ave, Suite 113	Purchase	NY
SEA COMM Branch - Malone Branch - Malone	3349 State Route 11	Malone	NY
ESL Esl Esl Branch	225 Chestnut Street	Rochester	NY
BETHPAGE Liu Liu Branch	700 Northern Blvd	Greenvale	NY
SAINT LAWRENCE Saint Lawrence Saint Lawrence Branch	800 Commerce Park Drive	Ogdensburg	NY
INNER LAKES Inner Lakes Inner Lakes Branch	19-21 East Main Street	Westfield	NY
BAXTER Baxter Baxter Branch	8 Glens Falls Tech Park	Glens Falls	NY
RIDGEDALE Novartis Novartis Branch	25 Old Mill Road	Suffern	NY
US Alliance Usalliance Usalliance Branch	600 Midland Ave	Rye	NY
AMERICU Americu Americu Branch	1916 Black River Blvd	Rome	NY
GOOD NEIGHBORS Lancaster - Depew Lancaster - Depew Branch	30 Brunswick Rd	Depew	NY
INNER LAKES Inner Lakes Inner Lakes Branch	19-21 East Main Street	Westfield	NY
HIGH POINT Olean Area Olean Area Branch	1201 Wayne St	Olean	NY
SEA COMM Branch - Malone Branch - Malone	3349 State Route 11	Malone	NY
FIRST SOURCE First Source First Source Branch	4451 Commercial Drive	New Hartford	NY
GREAT MEADOW Great Meadow Great Meadow Branch	11627 State Route 22	Comstock	NY
GREAT ERIE O P C S O P C S Branch	4000 North Buffalo Road	Orchard Park	NY
MERIDIA COMMUNITY Eden Branch Eden Branch	8226 N Main St	Eden	NY
RELIANT COMMUNITY Reliant Community Reliant Community Branch	10 Benton Place	Sodus	NY
GREATER CHAUTAUQUA Greater Chautauqua Greater Chautauqua Branch	51 E Main St	Falconer	NY
SOUTHERN CHAUTAUQUA Southern Chautauqua Southern Chautauqua Branch	168 E. Fairmount Avenue	Lakewood	NY
PEOPLE'S ALLIANCE People's Alliance People's Alliance Branch	125 Wireless Blvd	Hauppauge	NY
QSIDE Qside Qside Branch	35-30 FRANCIS LEWIS BLVD	FLUSHING	NY
VISIONS Visions Visions Branch	3301 Country Club Road	Endwell	NY
HUDSON RIVER FINANCIAL Hudson River Teacher Hudson River Teacher Branch	3563 Mohegan Ave	Mohegan Lake	NY
BAXTER Baxter Baxter Branch	8 Glens Falls Tech Park	Glens Falls	NY
PALISADES Palisades Palisades Branch	300 NORTH MIDDLETOWN ROAD, SUITE 6	PEARL RIVER	NY
SAINT LAWRENCE Saint Lawrence Saint Lawrence Branch	800 Commerce Park Drive	Ogdensburg	NY
GREAT ERIE O P C S O P C S Branch	4000 North Buffalo Road	Orchard Park	NY
FINANCIAL TRUST West Seneca West Seneca Branch	4257 Seneca St	West Seneca	NY
PITTSFORD Pittsford Pittsford Branch	1321 PITTSFORD MENDON ROAD	MENDON	NY
TOGETHER Anheuser-busch Emplo Anheuser-busch Emplo Branch	2885 Belgium Road	Baldwinsville	NY
GREATER CHAUTAUQUA Greater Chautauqua Greater Chautauqua Branch	51 E Main St	Falconer	NY
SOUTHERN CHAUTAUQUA Southern Chautauqua Southern Chautauqua Branch	168 E. Fairmount Avenue	Lakewood	NY
CENTRA Centra Centra Branch	4720 Baker Street Ext.	Lakewood	NY
HIGH POINT Olean Area Olean Area Branch	1201 Wayne St	Olean	NY
ALCO Alco Alco Branch	2859 Lindy Lane	Wellsville	NY
HORIZONS Horizons Fcu Horizons Fcu Branch	3701 Vestal Pkwy E	Vestal	NY
PEOPLE'S ALLIANCE People's Alliance People's Alliance Branch	125 Wireless Blvd	Hauppauge	NY
QSIDE Qside Qside Branch	35-30 FRANCIS LEWIS BLVD	FLUSHING	NY
HIGH POINT Olean Area Olean Area Branch	1201 Wayne St	Olean	NY
SAINT LAWRENCE Saint Lawrence Saint Lawrence Branch	800 Commerce Park Drive	Ogdensburg	NY
HIGH POINT Olean Area Olean Area Branch	1201 Wayne St	Olean	NY
SUMA Suma Yonkers Suma Yonkers Branch	125 Corporate Blvd	Yonkers	NY
PALISADES Palisades Palisades Branch	300 NORTH MIDDLETOWN ROAD, SUITE 6	PEARL RIVER	NY
US Alliance Usalliance Usalliance Branch	600 Midland Ave	Rye	NY
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	300 Steamboat Road	Kings Point	NY
SEA COMM Branch - Malone Branch - Malone	3349 State Route 11	Malone	NY
ADIRONDACK REGIONAL Adirondack Regional Adirondack Regional Branch	280 Park Street	Tupper Lake	NY
AMERICU Americu Americu Branch	1916 Black River Blvd	Rome	NY
G.P.O. G.p.o. G.p.o. Branch	4311 Middle Settlement Rd	New Hartford	NY
GREAT MEADOW Great Meadow Great Meadow Branch	11627 State Route 22	Comstock	NY
ONTARIO SHORES Ontario Shores Ontario Shores Branch	2890 Transit Road	Newfane	NY
EMPIRE ONE Buffalo Postal Commu Buffalo Postal Commu Branch	1155 William Street	Buffalo	NY
MERIDIA COMMUNITY Eden Branch Eden Branch	8226 N Main St	Eden	NY
ADVANTAGE Rit Rit Branch	38 Lomb Memorial Dr	Rochester	NY
XCEED FINANCIAL Xceed Financial Xceed Financial Branch	800 Phillips Rd.	Webster	NY
RELIANT COMMUNITY Reliant Community Reliant Community Branch	10 Benton Place	Sodus	NY
CFCU COMMUNITY Cfcu Community Cfcu Community Branch	1030 Craft Road	Ithaca	NY
TOGETHER Anheuser-busch Emplo Anheuser-busch Emplo Branch	2885 Belgium Road	Baldwinsville	NY
ACCESS Access Access Branch	6 Franklin Ave	Clinton	NY
GHS Court St Branch Court St Branch	105 Court St	Binghamton	NY
TEG Teg Teg Branch	1 Commerce Street	Poughkeepsie	NY
SUFFOLK Suffolk Suffolk Branch	3681 HORSEBLOCK ROAD	MEDFORD	NY
QSIDE Qside Qside Branch	35-30 FRANCIS LEWIS BLVD	FLUSHING	NY
CFCU COMMUNITY Cfcu Community Cfcu Community Branch	1030 Craft Road	Ithaca	NY
PALISADES Palisades Palisades Branch	300 NORTH MIDDLETOWN ROAD, SUITE 6	PEARL RIVER	NY
VISIONS Visions Visions Branch	3301 Country Club Road	Endwell	NY
UFIRST Ufirst Ufirst Branch	274 Rugar Street	Plattsburgh	NY
DANNEMORA Dannemora Dannemora Branch	50 STATE ROAD, BUILDING 27 APARTMEN	DANNEMORA	NY
COMMUNITY RESOURCE Community Resource Community Resource Branch	20 Wade Rd.	Latham	NY
CORNERSTONE COMMUNITY Cornerstone Communit Cornerstone Communit Branch	6485 S. Transit Road	Lockport	NY
ONTARIO SHORES Ontario Shores Ontario Shores Branch	2890 Transit Road	Newfane	NY
WESTERN DIVISION Western Division Western Division Branch	6750 Main St	Williamsville	NY
RADIUS Riverside Riverside Branch	245 Vulcan St	Buffalo	NY
EMPIRE ONE Buffalo Postal Commu Buffalo Postal Commu Branch	1155 William Street	Buffalo	NY
BUFFALO METROPOLITAN Buffalo Metropolitan Buffalo Metropolitan Branch	62 South Elmwood Ave	Buffalo	NY
XCEED FINANCIAL Xceed Financial Xceed Financial Branch	800 Phillips Rd.	Webster	NY
FINGER LAKES Willard Branch Willard Branch	7116 County Road 132	Ovid	NY
CFCU COMMUNITY Cfcu Community Cfcu Community Branch	1030 Craft Road	Ithaca	NY
CROSSROADS COMMUNITY Crossroads Community Crossroads Community Branch	3031 William Street	Cheektowaga	NY
AFFINITY ONE Affinity One Affinity One Branch	545 EAST SECOND ST	JAMESTOWN	NY
CENTRA Centra Centra Branch	4720 Baker Street Ext.	Lakewood	NY
C C S E C C S E C C S E Branch	417 Broad St	Salamanca	NY
HIGH POINT Olean Area Olean Area Branch	1201 Wayne St	Olean	NY
ALCO Alco Alco Branch	2859 Lindy Lane	Wellsville	NY
PARTNERS 1ST Partners 1st Partners 1st Branch	c/o Philips Research, 345 Scarborough Road	Briarcliff Manor	NY
MID-HUDSON VALLEY Hurley Avenue Branch Hurley Avenue Branch	123 Hurley Ave	Kingston	NY
GREATER METRO Greater Metro Greater Metro Branch	31-10 37th Avenue	Long Island Cit	NY
BETHPAGE Liu Liu Branch	700 Northern Blvd	Greenvale	NY
HUDSON RIVER FINANCIAL Hudson River Teacher Hudson River Teacher Branch	3563 Mohegan Ave	Mohegan Lake	NY
QSIDE Qside Qside Branch	35-30 FRANCIS LEWIS BLVD	FLUSHING	NY
JUSTICE Justice Justice Branch	26 Federal Plaza, Room 5-105	New York	NY
UKRAINIAN NATIONAL Ukrainian National Ukrainian National Branch	215 SECOND AVENUE	NEW YORK	NY
JOVIA FINANCIAL Huntington Station Huntington Station Branch	721 East Jericho Turnpike	Huntington Station	NY
AFFINITY ONE Affinity One Affinity One Branch	545 EAST SECOND ST	JAMESTOWN	NY
BAXTER Baxter Baxter Branch	8 Glens Falls Tech Park	Glens Falls	NY
BUFFALO METROPOLITAN Buffalo Metropolitan Buffalo Metropolitan Branch	62 South Elmwood Ave	Buffalo	NY
US Alliance Usalliance Usalliance Branch	600 Midland Ave	Rye	NY
MOUNTAIN VALLEY Peru Central School Peru Central School Branch	565 Bear Swamp Rd	Peru	NY
DANNEMORA Dannemora Dannemora Branch	50 STATE ROAD, BUILDING 27 APARTMEN	DANNEMORA	NY
GREAT MEADOW Great Meadow Great Meadow Branch	11627 State Route 22	Comstock	NY
HUDSON RIVER COMMUNITY Hudson River Communi Hudson River Communi Branch	312 Palmer Avenue	Corinth	NY
ONTARIO SHORES Ontario Shores Ontario Shores Branch	2890 Transit Road	Newfane	NY
WESTERN DIVISION Western Division Western Division Branch	6750 Main St	Williamsville	NY
RADIUS Riverside Riverside Branch	245 Vulcan St	Buffalo	NY
NORTH TOWNS Clarence Community & Clarence Community & Branch	9145 Sheridan Drive	Clarence	NY
EMPIRE ONE Buffalo Postal Commu Buffalo Postal Commu Branch	1155 William Street	Buffalo	NY
TOWN OF CHEEKTOWAGA Town Of Cheektowaga Town Of Cheektowaga Branch	3251 BROADWAY	CHEEKTOWAGA	NY
ADVANTAGE Rit Rit Branch	38 Lomb Memorial Dr	Rochester	NY
FAMILY FIRST OF NY East Rochester / Perinton Branch East Rochester / Perinton Branch	375 Fairport Rd	East Rochester	NY
FINGER LAKES Willard Branch Willard Branch	7116 County Road 132	Ovid	NY
RELIANT COMMUNITY Reliant Community Reliant Community Branch	10 Benton Place	Sodus	NY
FIRST HERITAGE First Heritage First Heritage Branch	110 Village Square	Painted Post	NY
SERVU Servu Servu Branch	9823 Science Center Dr	Painted Post	NY
FIRST NEW YORK Wall St Location Wall St Location Branch	2 Wall St	Albany	NY
GENERAL ELECTRIC EMPLOYEES General Electric Emp General Electric Emp Branch	497 Electronics Parkway, EP7-G196	Liverpool	NY
MOHAWK VALLEY Mohawk Valley Mohawk Valley Branch	207 Genesee St	Utica	NY
CROSSROADS COMMUNITY Crossroads Community Crossroads Community Branch	3031 William Street	Cheektowaga	NY
AFFINITY ONE Affinity One Affinity One Branch	545 EAST SECOND ST	JAMESTOWN	NY
CENTRA Centra Centra Branch	4720 Baker Street Ext.	Lakewood	NY
C C S E C C S E C C S E Branch	417 Broad St	Salamanca	NY
SOLUTIONS Solutions Solutions Branch	907 Broadway	Elmira	NY
SIDNEY Sidney Sidney Branch	42 Union St	Sidney	NY
ULSTER Ulster Ulster Branch	127 SCHWENK DR.	KINGSTON	NY
GREATER METRO Greater Metro Greater Metro Branch	31-10 37th Avenue	Long Island Cit	NY
TEG Teg Teg Branch	1 Commerce Street	Poughkeepsie	NY
PALISADES Palisades Palisades Branch	300 NORTH MIDDLETOWN ROAD, SUITE 6	PEARL RIVER	NY
SPERRY ASSOCIATES Sperry Associates Sperry Associates Branch	2400 JERICHO TPKE	GARDEN CITY PAR	NY
JUSTICE Justice Justice Branch	26 Federal Plaza, Room 5-105	New York	NY
ADVANTAGE FINANCIAL Dva Dva Branch	113 HOLLAND AVE	ALBANY	NY
PENTAGON Pentagon Pentagon Branch	481 Main Street	Highland Falls	NY
UFIRST Ufirst Ufirst Branch	274 Rugar Street	Plattsburgh	NY
Broadview FCU Capital Communicatio Capital Communicatio Branch	18 Computer Drive East	Albany	NY
BAXTER Baxter Baxter Branch	8 Glens Falls Tech Park	Glens Falls	NY
BETHPAGE Liu Liu Branch	700 Northern Blvd	Greenvale	NY
US Alliance Usalliance Usalliance Branch	600 Midland Ave	Rye	NY
XCEL Xcel Xcel Branch	26 Federal Plaza, Room 1702	New York	NY
SAINT LAWRENCE Saint Lawrence Saint Lawrence Branch	800 Commerce Park Drive	Ogdensburg	NY
TRAILNORTH Ticonderoga Ticonderoga Branch	1178 NYS Rte 9N	Ticonderoga	NY
AMERICU Americu Americu Branch	1916 Black River Blvd	Rome	NY
HUDSON RIVER COMMUNITY Hudson River Communi Hudson River Communi Branch	312 Palmer Avenue	Corinth	NY
COMMUNITY RESOURCE Community Resource Community Resource Branch	20 Wade Rd.	Latham	NY
ONTARIO SHORES Ontario Shores Ontario Shores Branch	2890 Transit Road	Newfane	NY
UKRAINIAN Ukrainian Ukrainian Branch	824 Ridge Rd East	Rochester	NY
WESTERN NEW YORK Western New York Western New York Branch	1937 Union Rd	West Seneca	NY
GREAT ERIE O P C S O P C S Branch	4000 North Buffalo Road	Orchard Park	NY
ONE CREDIT UNION OF NY Buffalo Service Buffalo Service Branch	130 S. Elmwood Ave., Ste #126	Buffalo	NY
MERIDIA COMMUNITY Eden Branch Eden Branch	8226 N Main St	Eden	NY
GOOD NEIGHBORS Lancaster - Depew Lancaster - Depew Branch	30 Brunswick Rd	Depew	NY
FINANCIAL TRUST West Seneca West Seneca Branch	4257 Seneca St	West Seneca	NY
GEICO Geico Geico Branch	300 Crosspoint Parkway	Amherst	NY
BUFFALO METROPOLITAN Buffalo Metropolitan Buffalo Metropolitan Branch	62 South Elmwood Ave	Buffalo	NY
ADVANTAGE Rit Rit Branch	38 Lomb Memorial Dr	Rochester	NY
FINGER LAKES Willard Branch Willard Branch	7116 County Road 132	Ovid	NY
RELIANT COMMUNITY Reliant Community Reliant Community Branch	10 Benton Place	Sodus	NY
FIRST HERITAGE First Heritage First Heritage Branch	110 Village Square	Painted Post	NY
ALTERNATIVES Alternatives Alternatives Branch	125 North Fulton Street	Ithaca	NY
AUBURN COMMUNITY Auburn Community Auburn Community Branch	65 WRIGHT CIRCLE	AUBURN	NY
SYRACUSE COOPERATIVE Syracuse Cooperative Syracuse Cooperative Branch	800 N SALINA ST, SUITE 200	SYRACUSE	NY
FIRST NEW YORK Wall St Location Wall St Location Branch	2 Wall St	Albany	NY
GENERAL ELECTRIC EMPLOYEES General Electric Emp General Electric Emp Branch	497 Electronics Parkway, EP7-G196	Liverpool	NY
TOGETHER Anheuser-busch Emplo Anheuser-busch Emplo Branch	2885 Belgium Road	Baldwinsville	NY
CIRCUIT Cheektowaga Communit Cheektowaga Communit Branch	2875 UNION RD, SUITE 49	CHEEKTOWAGA	NY
GREATER CHAUTAUQUA Greater Chautauqua Greater Chautauqua Branch	51 E Main St	Falconer	NY
AFFINITY ONE Affinity One Affinity One Branch	545 EAST SECOND ST	JAMESTOWN	NY
SOUTHERN CHAUTAUQUA Southern Chautauqua Southern Chautauqua Branch	168 E. Fairmount Avenue	Lakewood	NY
CENTRA Centra Centra Branch	4720 Baker Street Ext.	Lakewood	NY
C C S E C C S E C C S E Branch	417 Broad St	Salamanca	NY
OLEAN TEACHERS' AND POSTAL Olean Teachers' And Olean Teachers' And Branch	1700 CONSTITUTION AVENUE	OLEAN	NY
PARTNERS 1ST Partners 1st Partners 1st Branch	c/o Philips Research, 345 Scarborough Road	Briarcliff Manor	NY
HORIZONS Horizons Fcu Horizons Fcu Branch	3701 Vestal Pkwy E	Vestal	NY
GHS Court St Branch Court St Branch	105 Court St	Binghamton	NY
PEOPLE'S ALLIANCE People's Alliance People's Alliance Branch	125 Wireless Blvd	Hauppauge	NY
PALISADES Palisades Palisades Branch	300 NORTH MIDDLETOWN ROAD, SUITE 6	PEARL RIVER	NY
JOVIA FINANCIAL Huntington Station Huntington Station Branch	721 East Jericho Turnpike	Huntington Station	NY
SPERRY ASSOCIATES Sperry Associates Sperry Associates Branch	2400 JERICHO TPKE	GARDEN CITY PAR	NY
TEACHERS Teachers Teachers Branch	2410 NORTH OCEAN AVENUE	FARMINGVILLE	NY
PENTAGON Pentagon Pentagon Branch	481 Main Street	Highland Falls	NY
BROADVIEW Clifton Park Clifton Park Branch	16 Park Ave	Clifton Park	NY
US Alliance Usalliance Usalliance Branch	600 Midland Ave	Rye	NY
CROSSROADS COMMUNITY Crossroads Community Crossroads Community Branch	3031 William Street	Cheektowaga	NY
SIDNEY Sidney Sidney Branch	42 Union St	Sidney	NY
BAXTER Baxter Baxter Branch	8 Glens Falls Tech Park	Glens Falls	NY
PENTAGON Pentagon Pentagon Branch	481 Main Street	Highland Falls	NY
RADIUS Riverside Riverside Branch	245 Vulcan St	Buffalo	NY
AMERICU Americu Americu Branch	1916 Black River Blvd	Rome	NY
TWIN RIVERS Twin Rivers Twin Rivers Branch	23 Phillips St	Massena	NY
UFIRST Ufirst Ufirst Branch	274 Rugar Street	Plattsburgh	NY
DANNEMORA Dannemora Dannemora Branch	50 STATE ROAD, BUILDING 27 APARTMEN	DANNEMORA	NY
TRAILNORTH Ticonderoga Ticonderoga Branch	1178 NYS Rte 9N	Ticonderoga	NY
HUDSON RIVER COMMUNITY Hudson River Communi Hudson River Communi Branch	312 Palmer Avenue	Corinth	NY
CORNERSTONE COMMUNITY Cornerstone Communit Cornerstone Communit Branch	6485 S. Transit Road	Lockport	NY
NIAGARA'S CHOICE Niagara's Choice Niagara's Choice Branch	3619 Packard Road	Niagara Falls	NY
NORTH TOWNS Clarence Community & Clarence Community & Branch	9145 Sheridan Drive	Clarence	NY
THE SUMMIT The Summit Fcu The Summit Fcu Branch	100 MARINA DR	ROCHESTER	NY
GEICO Geico Geico Branch	300 Crosspoint Parkway	Amherst	NY
ESL Esl Esl Branch	225 Chestnut Street	Rochester	NY
ADVANTAGE Rit Rit Branch	38 Lomb Memorial Dr	Rochester	NY
XCEED FINANCIAL Xceed Financial Xceed Financial Branch	800 Phillips Rd.	Webster	NY
FAMILY FIRST OF NY East Rochester / Perinton Branch East Rochester / Perinton Branch	375 Fairport Rd	East Rochester	NY
FINGER LAKES Willard Branch Willard Branch	7116 County Road 132	Ovid	NY
CFCU COMMUNITY Cfcu Community Cfcu Community Branch	1030 Craft Road	Ithaca	NY
ALTERNATIVES Alternatives Alternatives Branch	125 North Fulton Street	Ithaca	NY
AUBURN COMMUNITY Auburn Community Auburn Community Branch	65 WRIGHT CIRCLE	AUBURN	NY
GENERAL ELECTRIC EMPLOYEES General Electric Emp General Electric Emp Branch	497 Electronics Parkway, EP7-G196	Liverpool	NY
SIDNEY Sidney Sidney Branch	42 Union St	Sidney	NY
ULSTER Ulster Ulster Branch	127 SCHWENK DR.	KINGSTON	NY
MID-HUDSON VALLEY Hurley Avenue Branch Hurley Avenue Branch	123 Hurley Ave	Kingston	NY
TEG Teg Teg Branch	1 Commerce Street	Poughkeepsie	NY
MUNICIPAL Municipal Municipal Branch	22 CORTLANDT STREET	NEW YORK	NY
PALISADES Palisades Palisades Branch	300 NORTH MIDDLETOWN ROAD, SUITE 6	PEARL RIVER	NY
NASSAU FINANCIAL Nassau Financial Nassau Financial Branch	865 Merrick Avenue, Suite 250N	Westbury	NY
ISLAND Island Island Branch	120 Motor Parkway	Hauppauge	NY
SUFFOLK Suffolk Suffolk Branch	3681 HORSEBLOCK ROAD	MEDFORD	NY
JUSTICE Justice Justice Branch	26 Federal Plaza, Room 5-105	New York	NY
UNITED NATIONS United Nations United Nations Branch	24-01 44th Road	Long Island Cit	NY
ADVANTAGE FINANCIAL Dva Dva Branch	113 HOLLAND AVE	ALBANY	NY
PALISADES Palisades Palisades Branch	300 NORTH MIDDLETOWN ROAD, SUITE 6	PEARL RIVER	NY
FAMILY FIRST OF NY East Rochester / Perinton Branch East Rochester / Perinton Branch	375 Fairport Rd	East Rochester	NY
A C M G A C M G A C M G Branch	1753 Milton Avenue	Solvay	NY
PARTNERS 1ST Partners 1st Partners 1st Branch	c/o Philips Research, 345 Scarborough Road	Briarcliff Manor	NY
SYRACUSE COOPERATIVE Syracuse Cooperative Syracuse Cooperative Branch	800 N SALINA ST, SUITE 200	SYRACUSE	NY
BAXTER Baxter Baxter Branch	8 Glens Falls Tech Park	Glens Falls	NY
MUNICIPAL Municipal Municipal Branch	22 CORTLANDT STREET	NEW YORK	NY
POLISH & SLAVIC Polish & Slavic Polish & Slavic Branch	100 McGuinness Blvd	Brooklyn	NY
CORNERSTONE COMMUNITY Cornerstone Communit Cornerstone Communit Branch	6485 S. Transit Road	Lockport	NY
GEICO Geico Geico Branch	300 Crosspoint Parkway	Amherst	NY
UKRAINIAN NATIONAL Ukrainian National Ukrainian National Branch	215 SECOND AVENUE	NEW YORK	NY

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates. You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.