Best Credit Union Savings and Money Market Rates in Kiryas Joel, New York, NY June 15, 2025

You are viewing savings rates from credit unions in Kiryas Joel, 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.

Kiryas Joel, NY - June 15, 2025

Savings Account National Average Rate: 0.45% ^?

Credit Unions	APY	MIN
Olean Area Olean Area Fcu 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 Federal Credit Union Branch Restrictions	3.75%	$500	Learn More Add Review
Rate History: 4.65% → 4.55% → 3.75%
Jovia Financial Greenvale 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 Credit Union 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 Disaster Recovery Site Branch Restrictions	3.20% 0.05% 0.01%	$100 $4,000 $500	Learn More Add Review
Capital Communications Clifton Park 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 Suffern Office 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 Medford 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
Navy Federal Credit Union Merchant Marine Academy 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 Credit Union Center 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 19-21 East Main Street Branch Restrictions	2.22% 2.02%	$25,000 $5,000	Learn More Add Review
Rate History: 1.87% → 2.48% → 2.22%
Saint Lawrence Commerce Park Drive Branch Restrictions	2.02% 0.25%	$0 $5,000	Learn More Add Review
Municipal Disaster Recovery Site 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 Aafcu - Lga 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 Greenvale 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 Main Office Branch Restrictions	1.67%	$0	Learn More Add Review
Rate History: 2.28% → 2.02% → 1.67%
G.p.o. Gpo Federal Credit Union Branch Restrictions	1.60% 1.40% 1.30%	$50,000 $20,000 $2,000	Learn More Add Review
Access Sherrill Office Branch Restrictions	1.60% 1.15%	$25,000 $10,000	Learn More Add Review
Rate History: 1.35% → 1.60%
Empower Baldwinsville 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 Mineola Branch Restrictions	1.51%	$0	Learn More
Kingculture \| Mar 26, 2021 Moses Raphael Read More Reviews (1)
Teachers Holbrook 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)
Adirondack Regional Tupper Lake Branch Restrictions	1.25%	$2,500	Learn More Add Review
Mohawk Valley 207 Genesee St Branch Restrictions	1.21% 1.01%	$25,000 $2,500	Learn More Add Review
United Nations Unfcu Headquarters Branch Restrictions	1.20% 1.10% 1.05%	$25,000 $2,500 $0	Learn More Add Review
Rate History: 1.35% → 1.20%
Bethpage Bay Shore 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 Federal Credit Union Branch Restrictions	1.10% 1.00%	$10,000 $1	Learn More Add Review
Sea Comm Branch - Canton 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 Headquarters 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 Credit Union Branch Restrictions	1.00% 0.75% 0.60% 0.50%	$25,000 $10,000 $2,500 $0	Learn More Add Review
Xcel Xcel Federal Credit Union 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 Brighton Henrietta Branch Restrictions	0.80% 0.60% 0.45%	$25,000 $10,000 $2,500	Learn More Add Review
Rate History: 0.85% → 0.80%
Saint Lawrence Commerce Park Drive 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 Main Office Branch Restrictions	0.63%	$25,000	Learn More Add Review
Usalliance Usalliance Federal Credit Union 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 Rochester Main Office Branch Restrictions	0.60%	$25,000	Learn More Add Review
Empower Baldwinsville Branch Restrictions	0.55%	$0	Learn More Add Review
Solutions Main/only Office Branch	0.50%	$2,500	Learn More Add Review
Ed-med Main Office Branch	0.50%	$2,500	Learn More Add Review
Ukrainian Rochester Main Office Branch Restrictions	0.50%	$2,500	Learn More Add Review
Hudson River Financial Main Office Branch Restrictions	0.48%	$10,000	Learn More Add Review
Inner Lakes 19-21 East Main Street 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 Suffern Office 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 Federal Credit Union Branch Restrictions	0.35%	$1,000	Learn More Add Review
Great Meadow Comstock Branch Restrictions	0.35%	$25,000	Learn More Add Review
Great Erie Great Erie Federal Credit Union Branch Restrictions	0.35%	$25,000	Learn More Add Review
Meridia Community Main Office Branch Restrictions	0.35%	$25,000	Learn More Add Review
Reliant Community Canandaigua Branch Restrictions	0.35%	$25,000	Learn More Add Review
Greater Chautauqua Greater Chautauqua Fcu Branch Restrictions	0.35%	$25,000	Learn More Add Review
Southern Chautauqua Lakewood Branch Restrictions	0.35%	$25,000	Learn More Add Review
People's Alliance Main Office Branch Restrictions	0.35%	$25,000	Learn More Add Review
Qside Deepdale Gardens Branch Restrictions	0.35%	$50,000	Learn More Add Review
Visions Credit Union Center Branch Restrictions	0.35% 0.20%	$50,000 $0	Learn More Add Review
Rate History: 0.85% → 0.35%
Hudson River Financial Main Office Branch Restrictions	0.34%	$2,500	Learn More Add Review
Palisades Pearl River 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 Great Erie Federal Credit Union Branch Restrictions	0.30%	$2,500	Learn More Add Review
Financial Trust Harlem Branch Restrictions	0.30%	$2,500	Learn More Add Review
Pittsford Mendon Branch Restrictions	0.30%	$0	Learn More Add Review
Rate History: 0.75% → 0.60% → 0.50% → 0.40% → 0.30%
Together Baldwinsville Branch Restrictions	0.30%	$25,000	Learn More Add Review
Greater Chautauqua Greater Chautauqua Fcu Branch Restrictions	0.30%	$2,500	Learn More Add Review
Southern Chautauqua Lakewood Branch Restrictions	0.30%	$2,500	Learn More Add Review
Centra Jamestown, Ny 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 Wellsville Office 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 Main Office Branch Restrictions	0.30%	$2,500	Learn More Add Review
Qside Deepdale Gardens Branch Restrictions	0.30%	$25,000	Learn More Add Review
Olean Area Olean Area Fcu 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 Main Office Branch Restrictions	0.25%	$50	Learn More Add Review
Navy Federal Credit Union Merchant Marine Academy 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 Tupper Lake Branch Restrictions	0.25%	$2,500	Learn More Add Review
G.p.o. Gpo Federal Credit Union Branch Restrictions	0.25%	$50	Learn More Add Review
Great Meadow Comstock Branch Restrictions	0.25%	$2,500	Learn More Add Review
Ontario Shores Ontario Shores Fcu Medina Branch	0.25%	$25,000	Learn More Add Review
Empire One Branch 010 Restrictions	0.25%	$25,000	Learn More Add Review
Meridia Community Main Office Branch Restrictions	0.25%	$2,500	Learn More Add Review
Advantage Broad Street Branch Restrictions	0.25%	$25,000	Learn More Add Review
Xceed Financial Branch 50 Restrictions	0.25%	$10,000	Learn More Add Review
Reliant Community Canandaigua Branch Restrictions	0.25%	$10,000	Learn More Add Review
Cfcu Community 1030 Craft Road Branch Restrictions	0.25%	$25,000	Learn More Add Review
Together Baldwinsville Branch Restrictions	0.25%	$2,500	Learn More Add Review
Access Sherrill Office Branch Restrictions	0.25%	$25	Learn More Add Review
Ghs Main Office Branch Restrictions	0.25%	$10,000	Learn More Add Review
Teg Teg Fcu Branch Restrictions	0.25%	$10,000	Learn More Add Review
Qside Deepdale Gardens Branch Restrictions	0.25%	$10,000	Learn More Add Review
Cfcu Community 1030 Craft Road Branch Restrictions	0.22%	$10,000	Learn More Add Review
Edu Restrictions	0.20%	$0	Learn More Add Review
Ufirst Ufirst Fcu Branch Restrictions	0.20%	$25,000	Learn More Add Review
Dannemora Dannemora-tom Miller Branch Restrictions	0.20%	$25,000	Learn More Add Review
Community Resource Albany Office Branch Restrictions	0.20%	$10,000	Learn More Add Review
Cornerstone Community Stevens Street Branch Restrictions	0.20%	$25,000	Learn More Add Review
Ontario Shores Ontario Shores Fcu Medina Branch	0.20%	$10,000	Learn More Add Review
Western Division Western Division Branch Restrictions	0.20%	$2,500	Learn More Add Review
Riverside Vulcan Street Branch Restrictions	0.20%	$20,000	Learn More Add Review
Empire One Branch 010 Restrictions	0.20%	$10,000	Learn More Add Review
Buffalo Metropolitan Main-62 S Elmwood Ave Buffalo, Ny 14202-2609 Branch Restrictions	0.20%	$25,000	Learn More Add Review
Xceed Financial Branch 50 Restrictions	0.20%	$2,500	Learn More Add Review
Finger Lakes Main Office 27 Seneca Branch Restrictions	0.20%	$25,000	Learn More Add Review
Cfcu Community 1030 Craft Road Branch Restrictions	0.20%	$2,500	Learn More Add Review
Crossroads Community Main - 3031 William Street Branch Restrictions	0.20%	$10,000	Learn More Add Review
Affinity One Affinity One Federal Credit Union Branch Restrictions	0.20%	$25,000	Learn More Add Review
Centra Jamestown, Ny 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 Ccse Federal Credit Union Branch	0.20%	$25,000	Learn More Add Review
Alco Wellsville Office Branch Restrictions	0.20%	$2,500	Learn More Add Review
Partners 1st Partners 1st Fcu, Br. 3 Branch Restrictions	0.20%	$10,000	Learn More Add Review
Mid-hudson Valley Credit Union Center 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 Va Office Branch Restrictions	0.20%	$2,500	Learn More Add Review
Hudson River Financial Main Office Branch Restrictions	0.20%	$2,500	Learn More Add Review
Qside Deepdale Gardens Branch Restrictions	0.20%	$2,500	Learn More Add Review
Justice New York Branch #9 Restrictions	0.20%	$25,000	Learn More Add Review
Ukrainian National Nyc Branch Restrictions	0.20% 0.01%	$2,500 $50	Learn More Add Review
Affinity One Affinity One Federal Credit Union 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 Main-62 S Elmwood Ave Buffalo, Ny 14202-2609 Branch Restrictions	0.15%	$10,000	Learn More Add Review
Peru Peru Federal Credit Union Branch	0.15%	$2,500	Learn More Add Review
Dannemora Dannemora-tom Miller Branch Restrictions	0.15%	$10,000	Learn More Add Review
Great Meadow Comstock Branch Restrictions	0.15%	$2,500	Learn More Add Review
Hudson River Community Corinth Branch Restrictions	0.15%	$2,500	Learn More Add Review
Ontario Shores Ontario Shores Fcu Medina Branch	0.15%	$2,500	Learn More Add Review
Western Division Western Division Branch Restrictions	0.15%	$2,500	Learn More Add Review
Riverside Vulcan Street Branch Restrictions	0.15%	$3,000	Learn More Add Review
Clarence Community & Schools Clarence Community & Schools Fcu Branch	0.15%	$25,000	Learn More Add Review
Empire One Branch 010 Restrictions	0.15%	$2,500	Learn More Add Review
Town Of Cheektowaga Town Of Cheektowaga Fcu Branch	0.15%	$2,500	Learn More Add Review
Advantage Broad Street Branch Restrictions	0.15%	$10,000	Learn More Add Review
Family First Of Ny Penfield Branch Restrictions	0.15%	$10,000	Learn More Add Review
Finger Lakes Main Office 27 Seneca Branch Restrictions	0.15%	$10,000	Learn More Add Review
Reliant Community Canandaigua Branch Restrictions	0.15%	$2,500	Learn More Add Review
First Heritage Main Office Branch Restrictions	0.15%	$2,500	Learn More Add Review
Servu Administration Branch Restrictions	0.15%	$2,500	Learn More Add Review
First New York Cobleskill Location Branch Restrictions	0.15%	$25,000	Learn More Add Review
General Electric Employees Syracuse Branch Restrictions	0.15%	$25,000	Learn More Add Review
Mohawk Valley 207 Genesee St Branch Restrictions	0.15%	$100	Learn More Add Review
Crossroads Community Main - 3031 William Street Branch Restrictions	0.15%	$2,500	Learn More Add Review
Affinity One Affinity One Federal Credit Union Branch Restrictions	0.15%	$2,500	Learn More Add Review
Centra Jamestown, Ny 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 Ccse Federal Credit Union Branch	0.15%	$2,500	Learn More Add Review
Solutions Main/only Office Branch	0.15%	$2,500	Learn More Add Review
Sidney Sidney Branch Restrictions	0.15%	$10,000	Learn More Add Review
Ulster Schwenk Dr Branch Restrictions	0.15%	$2,500	Learn More Add Review
Greater Metro Va Office Branch Restrictions	0.15%	$2,500	Learn More Add Review
Teg Teg Fcu Branch Restrictions	0.15%	$2,500	Learn More Add Review
Sperry Associates Garden City Park Branch Restrictions	0.15%	$2,500	Learn More Add Review
Justice New York Branch #9 Restrictions	0.15%	$2,500	Learn More Add Review
Advantage Financial Brooklyn Va Medical Center Branch Restrictions	0.15%	$2,500	Learn More Add Review
Pentagon West Point - Highland Falls 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 Fcu Branch Restrictions	0.13%	$25,000	Learn More Add Review
Capital Communications Clifton Park 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 Federal Credit Union Branch Restrictions	0.10%	$50	Learn More Add Review
Trailnorth Ticonderoga Federal Credit Union Branch Restrictions	0.10%	$2,500	Learn More Add Review
Americu Headquarters Branch Restrictions	0.10% 0.05%	$5,000 $2,500	Learn More Add Review
Hudson River Community Corinth Branch Restrictions	0.10%	$25,000	Learn More Add Review
Community Resource Albany Office Branch Restrictions	0.10%	$2,500	Learn More Add Review
Ontario Shores Ontario Shores Fcu Medina Branch	0.10%	$2,500	Learn More Add Review
Ukrainian Rochester Main Office Branch Restrictions	0.10%	$2,500	Learn More Add Review
Western New York Main Office Branch Restrictions	0.10%	$2,500	Learn More Add Review
Great Erie Great Erie Federal Credit Union Branch Restrictions	0.10%	$2,500	Learn More Add Review
Buffalo Service Niagara Center Branch Restrictions	0.10%	$2,500	Learn More Add Review
Meridia Community Main Office 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 Harlem Branch Restrictions	0.10%	$2,500	Learn More Add Review
Geico Woodbury Branch Restrictions	0.10%	$25,000	Learn More Add Review
Buffalo Metropolitan Main-62 S Elmwood Ave Buffalo, Ny 14202-2609 Branch Restrictions	0.10%	$1,000	Learn More Add Review
Advantage Broad Street Branch Restrictions	0.10%	$2,500	Learn More Add Review
Finger Lakes Main Office 27 Seneca Branch Restrictions	0.10%	$2,500	Learn More Add Review
Reliant Community Canandaigua Branch Restrictions	0.10%	$2,500	Learn More Add Review
First Heritage Main Office Branch Restrictions	0.10%	$2,500	Learn More Add Review
Alternatives Alternatives Federal Credit Union Branch Restrictions	0.10%	$25,000	Learn More Add Review
Auburn Community Main Office - 65 Wright Circle Branch Restrictions	0.10%	$25,000	Learn More Add Review
Syracuse Cooperative Westcott Office Branch	0.10%	$2,500	Learn More Add Review
First New York Cobleskill Location Branch Restrictions	0.10%	$2,500	Learn More Add Review
General Electric Employees Syracuse Branch Restrictions	0.10%	$2,500	Learn More Add Review
Together Baldwinsville Branch Restrictions	0.10%	$2,500	Learn More Add Review
Cheektowaga Community Office Branch	0.10%	$2,500	Learn More Add Review
Greater Chautauqua Greater Chautauqua Fcu Branch Restrictions	0.10%	$2,500	Learn More Add Review
Affinity One Affinity One Federal Credit Union Branch Restrictions	0.10%	$2,500	Learn More Add Review
Southern Chautauqua Lakewood Branch Restrictions	0.10%	$2,500	Learn More Add Review
Centra Jamestown, Ny 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 Ccse Federal Credit Union Branch	0.10%	$2,500	Learn More Add Review
Olean Teachers' And Postal Olean Teachers' & Postal Federal Credit Union Branch	0.10%	$2,500	Learn More Add Review
Partners 1st Partners 1st Fcu, Br. 3 Branch Restrictions	0.10%	$2,500	Learn More Add Review
Horizons Horizons Fcu Branch Restrictions	0.10%	$2,500	Learn More Add Review
Ghs Main Office Branch Restrictions	0.10%	$2,500	Learn More Add Review
People's Alliance Main Office Branch Restrictions	0.10%	$2,500	Learn More Add Review
Sperry Associates Garden City Park Branch Restrictions	0.10%	$2,500	Learn More Add Review
Teachers Holbrook Branch Restrictions	0.10%	$1	Learn More Add Review
Rate History: 0.10% → 0.05% → 0.10% → 1.50% → 0.10%
Pentagon West Point - Highland Falls 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 State Employees Branch Restrictions	0.10%	$0	Learn More Add Review
Rate History: 0.15% → 0.10%
Crossroads Community Main - 3031 William Street 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 Vulcan Street Branch Restrictions	0.05%	$100	Learn More Add Review
Twin Rivers Trfcu Branch Restrictions	0.05%	$2,500	Learn More Add Review
Ufirst Ufirst Fcu Branch Restrictions	0.05%	$2,500	Learn More Add Review
Dannemora Dannemora-tom Miller Branch Restrictions	0.05%	$2,500	Learn More Add Review
Trailnorth Ticonderoga Federal Credit Union Branch Restrictions	0.05%	$2,500	Learn More Add Review
Hudson River Community Corinth Branch Restrictions	0.05%	$10,000	Learn More Add Review
Cornerstone Community Stevens Street Branch Restrictions	0.05%	$2,500	Learn More Add Review
Niagara's Choice Packard Road Branch Restrictions	0.05%	$2,500	Learn More Add Review
Clarence Community & Schools Clarence Community & Schools Fcu 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 Woodbury Branch Restrictions	0.05%	$10,000	Learn More Add Review
Esl Brighton Henrietta Branch Restrictions	0.05%	$0	Learn More Add Review
Advantage Broad Street Branch Restrictions	0.05%	$2,500	Learn More Add Review
Xceed Financial Branch 50 Restrictions	0.05%	$2,500	Learn More Add Review
Family First Of Ny Penfield Branch Restrictions	0.05%	$2,500	Learn More Add Review
Finger Lakes Main Office 27 Seneca Branch Restrictions	0.05%	$2,500	Learn More Add Review
Cfcu Community 1030 Craft Road Branch Restrictions	0.05%	$2,500	Learn More Add Review
Alternatives Alternatives Federal Credit Union Branch Restrictions	0.05%	$2,500	Learn More Add Review
Auburn Community Main Office - 65 Wright Circle Branch Restrictions	0.05%	$2,500	Learn More Add Review
General Electric Employees Syracuse Branch Restrictions	0.05%	$2,500	Learn More Add Review
Sidney Sidney Branch Restrictions	0.05%	$2,500	Learn More Add Review
Ulster Schwenk Dr Branch Restrictions	0.05%	$2,500	Learn More Add Review
Teg Teg Fcu Branch Restrictions	0.05%	$2,500	Learn More Add Review
Nassau Financial Garden City Branch Restrictions	0.05%	$2,500	Learn More Add Review
Island Headquarters Branch Restrictions	0.05%	$2,500	Learn More Add Review
Suffolk Medford Branch Restrictions	0.05%	$100	Learn More Add Review
Justice New York Branch #9 Restrictions	0.05%	$2,500	Learn More Add Review
United Nations Unfcu Headquarters Branch Restrictions	0.05%	$1	Learn More Add Review
Advantage Financial Brooklyn Va Medical Center Branch Restrictions	0.05%	$2,500	Learn More Add Review
Palisades Pearl River Branch Restrictions	0.04%	$50	Learn More Add Review
Family First Of Ny Penfield Branch Restrictions	0.03%	$2,500	Learn More Add Review
A C M G Solvay Office Branch Restrictions	0.03%	$2,500	Learn More Add Review
Partners 1st Partners 1st Fcu, Br. 3 Branch Restrictions	0.03%	$2,500	Learn More Add Review
Syracuse Cooperative Westcott Office Branch	0.02%	$2,500	Learn More Add Review
Edu Restrictions	0.01%	$1	Learn More Add Review
Polish & Slavic Mcguinness Headquarters Branch Restrictions	0.01%	$2,500	Learn More Add Review
Cornerstone Community Stevens Street Branch Restrictions	0.01%	$2,500	Learn More Add Review
Geico Woodbury Branch Restrictions	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 around Kiryas Joel, NY - June 15, 2025

Branch	Street	City	State
HIGH POINT Olean Area Fcu Olean Area Fcu 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 Federal Credit Union Usalliance Federal Credit Union Branch	411 Theodore Fremd Ave	Rye	NY
JOVIA FINANCIAL Greenvale Greenvale Branch	90 Northern Blvd	Greenvale	NY
CORNING Corning Credit Union Corning Credit Union Branch	1 Credit Union Plz	Corning	NY
MUNICIPAL Disaster Recovery Site Disaster Recovery Site Branch	755 Co Op City Blvd	Bronx	NY
CORNING Corning Credit Union Corning Credit Union Branch	1 Credit Union Plz	Corning	NY
Broadview FCU Clifton Park Branch Clifton Park Branch	1744 Route 9	Halfmoon	NY
FINANCIAL RESOURCES Financial Resources Fcu - New York Branch Financial Resources Fcu - New York Branch	55 Water St	New York	NY
Broadview FCU Clifton Park Branch Clifton Park Branch	1744 Route 9	Halfmoon	NY
FINANCIAL RESOURCES Financial Resources Fcu - New York Branch Financial Resources Fcu - New York Branch	55 Water St	New York	NY
RIDGEDALE Suffern Office Suffern Office Branch	25 Old Mill Rd	Suffern	NY
SUFFOLK Medford Branch Medford Branch	3681 Horseblock Rd	Medford	NY
Broadview FCU Clifton Park Branch Clifton Park Branch	1744 Route 9	Halfmoon	NY
CORNING Corning Credit Union Corning Credit Union Branch	1 Credit Union Plz	Corning	NY
FINANCIAL RESOURCES Financial Resources Fcu - New York Branch Financial Resources Fcu - New York Branch	55 Water St	New York	NY
Broadview FCU Clifton Park Branch Clifton Park Branch	1744 Route 9	Halfmoon	NY
NAVY FEDERAL CREDIT UNION Merchant Marine Academy Merchant Marine Academy Branch	300 Steamboat Rd	Kings Point	NY
VISIONS Credit Union Center Credit Union Center Branch	3301 Country Club Rd	Endwell	NY
INNER LAKES 19-21 East Main Street 19-21 East Main Street Branch	19-21 E Main St	Westfield	NY
CORNING Corning Credit Union Corning Credit Union Branch	1 Credit Union Plz	Corning	NY
NAVY FEDERAL CREDIT UNION Merchant Marine Academy Merchant Marine Academy Branch	300 Steamboat Rd	Kings Point	NY
SAINT LAWRENCE Commerce Park Drive Commerce Park Drive Branch	800 Commerce Park Dr	Ogdensburg	NY
RIDGEDALE Suffern Office Suffern Office Branch	25 Old Mill Rd	Suffern	NY
INNER LAKES 19-21 East Main Street 19-21 East Main Street Branch	19-21 E Main St	Westfield	NY
MUNICIPAL Disaster Recovery Site Disaster Recovery Site Branch	755 Co Op City Blvd	Bronx	NY
AMERICAN AIRLINES Aafcu - Lga Aafcu - Lga Branch	LaGuardia Airport Hangar 3 Room 122	Flushing	NY
BAXTER Baxter Baxter Branch	8 Glens Falls Tech Park	Glens Falls	NY
Broadview FCU Clifton Park Branch Clifton Park Branch	1744 Route 9	Halfmoon	NY
JOVIA FINANCIAL Greenvale Greenvale Branch	90 Northern Blvd	Greenvale	NY
VISIONS Credit Union Center Credit Union Center Branch	3301 Country Club Rd	Endwell	NY
NAVY FEDERAL CREDIT UNION Merchant Marine Academy Merchant Marine Academy Branch	300 Steamboat Rd	Kings Point	NY
MUNICIPAL Disaster Recovery Site Disaster Recovery Site Branch	755 Co Op City Blvd	Bronx	NY
QUORUM Quorum Fcu Headquarters Quorum Fcu Headquarters Branch	2500 Westchester Ave, Suite 113	Purchase	NY
SUMA Main Office Main Office Branch	125 Corporate Blvd	Yonkers	NY
CORNING Corning Credit Union Corning Credit Union Branch	1 Credit Union Plz	Corning	NY
NAVY FEDERAL CREDIT UNION Merchant Marine Academy Merchant Marine Academy Branch	300 Steamboat Rd	Kings Point	NY
VISIONS Credit Union Center Credit Union Center Branch	3301 Country Club Rd	Endwell	NY
JOVIA FINANCIAL Greenvale Greenvale Branch	90 Northern Blvd	Greenvale	NY
G.P.O. Gpo Federal Credit Union Gpo Federal Credit Union Branch	4311 Middle Settlement Rd	New Hartford	NY
ACCESS Sherrill Office Sherrill Office Branch	390 W Seneca St	Sherrill	NY
EMPOWER Baldwinsville Baldwinsville Branch	15 E Genesee St	Baldwinsville	NY
N C P D Mineola Branch Mineola Branch	1490 Franklin Ave	Mineola	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 Merchant Marine Academy Merchant Marine Academy Branch	300 Steamboat Rd	Kings Point	NY
TEACHERS Holbrook Holbrook Branch	5439 Sunrise Hwy	Holbrook	NY
Broadview FCU Clifton Park Branch Clifton Park Branch	1744 Route 9	Halfmoon	NY
JOVIA FINANCIAL Greenvale Greenvale Branch	90 Northern Blvd	Greenvale	NY
EMPOWER Baldwinsville Baldwinsville Branch	15 E Genesee St	Baldwinsville	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 Credit Union Center Credit Union Center Branch	3301 Country Club Rd	Endwell	NY
G.P.O. Gpo Federal Credit Union Gpo Federal Credit Union Branch	4311 Middle Settlement Rd	New Hartford	NY
EMPOWER Baldwinsville Baldwinsville Branch	15 E Genesee St	Baldwinsville	NY
Broadview FCU Clifton Park Branch Clifton Park Branch	1744 Route 9	Halfmoon	NY
G.P.O. Gpo Federal Credit Union Gpo Federal Credit Union Branch	4311 Middle Settlement Rd	New Hartford	NY
RIDGEDALE Suffern Office Suffern Office Branch	25 Old Mill Rd	Suffern	NY
EMPOWER Baldwinsville Baldwinsville Branch	15 E Genesee St	Baldwinsville	NY
ADIRONDACK REGIONAL Tupper Lake Tupper Lake Branch	280 Park St	Tupper Lake	NY
JOVIA FINANCIAL Greenvale Greenvale Branch	90 Northern Blvd	Greenvale	NY
MOHAWK VALLEY 207 Genesee St 207 Genesee St 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 Unfcu Headquarters Unfcu Headquarters Branch	2401 44th Rd	Long Island City	NY
BETHPAGE Bay Shore Bay Shore Branch	591 E Main St	Bay Shore	NY
EMPOWER Baldwinsville Baldwinsville Branch	15 E Genesee St	Baldwinsville	NY
VISIONS Credit Union Center Credit Union Center Branch	3301 Country Club Rd	Endwell	NY
ACCESS Sherrill Office Sherrill Office Branch	390 W Seneca St	Sherrill	NY
THE SUMMIT The Summit Fcu The Summit Fcu Branch	100 MARINA DR	ROCHESTER	NY
FIRST SOURCE First Source Federal Credit Union First Source Federal Credit Union Branch	4451 Commercial Dr	New Hartford	NY
TEACHERS Holbrook Holbrook Branch	5439 Sunrise Hwy	Holbrook	NY
UNITED NATIONS Unfcu Headquarters Unfcu Headquarters Branch	2401 44th Rd	Long Island City	NY
NAVY FEDERAL CREDIT UNION Merchant Marine Academy Merchant Marine Academy Branch	300 Steamboat Rd	Kings Point	NY
NAVY FEDERAL CREDIT UNION Merchant Marine Academy Merchant Marine Academy Branch	300 Steamboat Rd	Kings Point	NY
EMPOWER Baldwinsville Baldwinsville Branch	15 E Genesee St	Baldwinsville	NY
UNITED NATIONS Unfcu Headquarters Unfcu Headquarters Branch	2401 44th Rd	Long Island City	NY
MOHAWK VALLEY 207 Genesee St 207 Genesee St 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 - Canton Branch - Canton	101 E Main St	Canton	NY
AMERICU Headquarters Headquarters Branch	1916 Black River Blvd N	Rome	NY
FIRST SOURCE First Source Federal Credit Union First Source Federal Credit Union Branch	4451 Commercial Dr	New Hartford	NY
THE SUMMIT The Summit Fcu The Summit Fcu Branch	100 MARINA DR	ROCHESTER	NY
JOVIA FINANCIAL Greenvale Greenvale Branch	90 Northern Blvd	Greenvale	NY
TEACHERS Holbrook Holbrook Branch	5439 Sunrise Hwy	Holbrook	NY
CORNING Corning Credit Union Corning Credit Union Branch	1 Credit Union Plz	Corning	NY
BETHPAGE Bay Shore Bay Shore Branch	591 E Main St	Bay Shore	NY
NAVY FEDERAL CREDIT UNION Merchant Marine Academy Merchant Marine Academy Branch	300 Steamboat Rd	Kings Point	NY
AMERICU Headquarters Headquarters Branch	1916 Black River Blvd N	Rome	NY
MUNICIPAL Disaster Recovery Site Disaster Recovery Site Branch	755 Co Op City Blvd	Bronx	NY
XCEL Xcel Federal Credit Union Xcel Federal Credit Union Branch	26 Federal Plz Ste 1702	New York	NY
AMERICU Headquarters Headquarters Branch	1916 Black River Blvd N	Rome	NY
THE SUMMIT The Summit Fcu The Summit Fcu Branch	100 MARINA DR	ROCHESTER	NY
ESL Brighton Henrietta Brighton Henrietta Branch	100 Canal View Blvd	Rochester	NY
SUFFOLK Medford Branch Medford Branch	3681 Horseblock Rd	Medford	NY
RIDGEDALE Suffern Office Suffern Office Branch	25 Old Mill Rd	Suffern	NY
XCEL Xcel Federal Credit Union Xcel Federal Credit Union Branch	26 Federal Plz Ste 1702	New York	NY
JOVIA FINANCIAL Greenvale Greenvale Branch	90 Northern Blvd	Greenvale	NY
TEACHERS Holbrook Holbrook Branch	5439 Sunrise Hwy	Holbrook	NY
CORNING Corning Credit Union Corning Credit Union Branch	1 Credit Union Plz	Corning	NY
QUORUM Quorum Fcu Headquarters Quorum Fcu Headquarters Branch	2500 Westchester Ave, Suite 113	Purchase	NY
SAINT LAWRENCE Commerce Park Drive Commerce Park Drive Branch	800 Commerce Park Dr	Ogdensburg	NY
SUFFOLK Medford Branch Medford Branch	3681 Horseblock Rd	Medford	NY
XCEL Xcel Federal Credit Union Xcel Federal Credit Union Branch	26 Federal Plz Ste 1702	New York	NY
MUNICIPAL Disaster Recovery Site Disaster Recovery Site Branch	755 Co Op City Blvd	Bronx	NY
HUDSON RIVER FINANCIAL Main Office Main Office Branch	3563 Mohegan Ave	Mohegan Lake	NY
US Alliance Usalliance Federal Credit Union Usalliance Federal Credit Union Branch	411 Theodore Fremd Ave	Rye	NY
SAINT LAWRENCE Commerce Park Drive Commerce Park Drive Branch	800 Commerce Park Dr	Ogdensburg	NY
SEA COMM Branch - Canton Branch - Canton	101 E Main St	Canton	NY
AMERICU Headquarters Headquarters Branch	1916 Black River Blvd N	Rome	NY
UKRAINIAN Rochester Main Office Rochester Main Office Branch	824 E Ridge Rd	Rochester	NY
ESL Brighton Henrietta Brighton Henrietta Branch	100 Canal View Blvd	Rochester	NY
CORNING Corning Credit Union Corning Credit Union Branch	1 Credit Union Plz	Corning	NY
TEACHERS Holbrook Holbrook Branch	5439 Sunrise Hwy	Holbrook	NY
EMPOWER Baldwinsville Baldwinsville Branch	15 E Genesee St	Baldwinsville	NY
BETHPAGE Bay Shore Bay Shore Branch	591 E Main St	Bay Shore	NY
SOLUTIONS Main/only Office Main/only Office Branch	907 Broadway St	Elmira	NY
CORNING Corning Credit Union Corning Credit Union Branch	1 Credit Union Plz	Corning	NY
XCEL Xcel Federal Credit Union Xcel Federal Credit Union Branch	26 Federal Plz Ste 1702	New York	NY
ED-MED Main Office Main Office Branch	601 FORD ST	OGDENSBURG	NY
AMERICU Headquarters Headquarters Branch	1916 Black River Blvd N	Rome	NY
UKRAINIAN Rochester Main Office Rochester Main Office Branch	824 E Ridge Rd	Rochester	NY
THE SUMMIT The Summit Fcu The Summit Fcu Branch	100 MARINA DR	ROCHESTER	NY
JOVIA FINANCIAL Greenvale Greenvale Branch	90 Northern Blvd	Greenvale	NY
TEACHERS Holbrook Holbrook Branch	5439 Sunrise Hwy	Holbrook	NY
SUFFOLK Medford Branch Medford Branch	3681 Horseblock Rd	Medford	NY
US Alliance Usalliance Federal Credit Union Usalliance Federal Credit Union Branch	411 Theodore Fremd Ave	Rye	NY
HUDSON RIVER FINANCIAL Main Office Main Office Branch	3563 Mohegan Ave	Mohegan Lake	NY
INNER LAKES 19-21 East Main Street 19-21 East Main Street Branch	19-21 E Main St	Westfield	NY
QUORUM Quorum Fcu Headquarters Quorum Fcu Headquarters Branch	2500 Westchester Ave, Suite 113	Purchase	NY
SEA COMM Branch - Canton Branch - Canton	101 E Main St	Canton	NY
ESL Brighton Henrietta Brighton Henrietta Branch	100 Canal View Blvd	Rochester	NY
BETHPAGE Bay Shore Bay Shore Branch	591 E Main St	Bay Shore	NY
SAINT LAWRENCE Commerce Park Drive Commerce Park Drive Branch	800 Commerce Park Dr	Ogdensburg	NY
INNER LAKES 19-21 East Main Street 19-21 East Main Street Branch	19-21 E Main St	Westfield	NY
BAXTER Baxter Baxter Branch	8 Glens Falls Tech Park	Glens Falls	NY
RIDGEDALE Suffern Office Suffern Office Branch	25 Old Mill Rd	Suffern	NY
US Alliance Usalliance Federal Credit Union Usalliance Federal Credit Union Branch	411 Theodore Fremd Ave	Rye	NY
AMERICU Headquarters Headquarters Branch	1916 Black River Blvd N	Rome	NY
GOOD NEIGHBORS Lancaster - Depew Lancaster - Depew Branch	30 Brunswick Rd	Depew	NY
INNER LAKES 19-21 East Main Street 19-21 East Main Street Branch	19-21 E Main St	Westfield	NY
HIGH POINT Olean Area Fcu Olean Area Fcu Branch	1201 Wayne St	Olean	NY
SEA COMM Branch - Canton Branch - Canton	101 E Main St	Canton	NY
FIRST SOURCE First Source Federal Credit Union First Source Federal Credit Union Branch	4451 Commercial Dr	New Hartford	NY
GREAT MEADOW Comstock Comstock Branch	11627 State Route 22	Comstock	NY
GREAT ERIE Great Erie Federal Credit Union Great Erie Federal Credit Union Branch	4000 N Buffalo St	Orchard Park	NY
MERIDIA COMMUNITY Main Office Main Office Branch	4500 Southwestern Blvd	Hamburg	NY
RELIANT COMMUNITY Canandaigua Canandaigua Branch	3255 County Road 10	Canandaigua	NY
GREATER CHAUTAUQUA Greater Chautauqua Fcu Greater Chautauqua Fcu Branch	57 Lake Shore Dr W	Dunkirk	NY
SOUTHERN CHAUTAUQUA Lakewood Lakewood Branch	168 E Fairmount Ave	Lakewood	NY
PEOPLE'S ALLIANCE Main Office Main Office Branch	125 Wireless Blvd	Hauppauge	NY
QSIDE Deepdale Gardens Deepdale Gardens Branch	24931 61ST AVE	LITTLE NECK	NY
VISIONS Credit Union Center Credit Union Center Branch	3301 Country Club Rd	Endwell	NY
HUDSON RIVER FINANCIAL Main Office Main Office Branch	3563 Mohegan Ave	Mohegan Lake	NY
BAXTER Baxter Baxter Branch	8 Glens Falls Tech Park	Glens Falls	NY
PALISADES Pearl River Pearl River Branch	300 N Middletown Rd	Pearl River	NY
SAINT LAWRENCE Commerce Park Drive Commerce Park Drive Branch	800 Commerce Park Dr	Ogdensburg	NY
GREAT ERIE Great Erie Federal Credit Union Great Erie Federal Credit Union Branch	4000 N Buffalo St	Orchard Park	NY
FINANCIAL TRUST Harlem Harlem Branch	3333 Harlem Rd	Cheektowaga	NY
PITTSFORD Mendon Mendon Branch	1321 Pittsford Mendon Rd	Mendon	NY
TOGETHER Baldwinsville Baldwinsville Branch	2885 Belgium Rd	Baldwinsville	NY
GREATER CHAUTAUQUA Greater Chautauqua Fcu Greater Chautauqua Fcu Branch	57 Lake Shore Dr W	Dunkirk	NY
SOUTHERN CHAUTAUQUA Lakewood Lakewood Branch	168 E Fairmount Ave	Lakewood	NY
CENTRA Jamestown, Ny Jamestown, Ny Branch	4720 Baker St	Lakewood	NY
HIGH POINT Olean Area Fcu Olean Area Fcu Branch	1201 Wayne St	Olean	NY
ALCO Wellsville Office Wellsville Office Branch	2859 Lindy Ln	Wellsville	NY
HORIZONS Horizons Fcu Horizons Fcu Branch	120 Main St	Binghamton	NY
PEOPLE'S ALLIANCE Main Office Main Office Branch	125 Wireless Blvd	Hauppauge	NY
QSIDE Deepdale Gardens Deepdale Gardens Branch	24931 61ST AVE	LITTLE NECK	NY
HIGH POINT Olean Area Fcu Olean Area Fcu Branch	1201 Wayne St	Olean	NY
SAINT LAWRENCE Commerce Park Drive Commerce Park Drive Branch	800 Commerce Park Dr	Ogdensburg	NY
HIGH POINT Olean Area Fcu Olean Area Fcu Branch	1201 Wayne St	Olean	NY
SUMA Main Office Main Office Branch	125 Corporate Blvd	Yonkers	NY
PALISADES Pearl River Pearl River Branch	300 N Middletown Rd	Pearl River	NY
US Alliance Usalliance Federal Credit Union Usalliance Federal Credit Union Branch	411 Theodore Fremd Ave	Rye	NY
NAVY FEDERAL CREDIT UNION Merchant Marine Academy Merchant Marine Academy Branch	300 Steamboat Rd	Kings Point	NY
SEA COMM Branch - Canton Branch - Canton	101 E Main St	Canton	NY
ADIRONDACK REGIONAL Tupper Lake Tupper Lake Branch	280 Park St	Tupper Lake	NY
AMERICU Headquarters Headquarters Branch	1916 Black River Blvd N	Rome	NY
G.P.O. Gpo Federal Credit Union Gpo Federal Credit Union Branch	4311 Middle Settlement Rd	New Hartford	NY
GREAT MEADOW Comstock Comstock Branch	11627 State Route 22	Comstock	NY
ONTARIO SHORES Ontario Shores Fcu Medina Ontario Shores Fcu Medina Branch	4200 Salt Works Rd	Medina	NY
EMPIRE ONE Branch 010 Branch 010	1155 William St	Buffalo	NY
MERIDIA COMMUNITY Main Office Main Office Branch	4500 Southwestern Blvd	Hamburg	NY
ADVANTAGE Broad Street Broad Street Branch	225 W Broad St	Rochester	NY
XCEED FINANCIAL Branch 50 Branch 50	800 Phillips Rd	Webster	NY
RELIANT COMMUNITY Canandaigua Canandaigua Branch	3255 County Road 10	Canandaigua	NY
CFCU COMMUNITY 1030 Craft Road 1030 Craft Road Branch	1030 Craft Rd	Ithaca	NY
TOGETHER Baldwinsville Baldwinsville Branch	2885 Belgium Rd	Baldwinsville	NY
ACCESS Sherrill Office Sherrill Office Branch	390 W Seneca St	Sherrill	NY
GHS Main Office Main Office Branch	910 Upper Front St	Binghamton	NY
TEG Teg Fcu Teg Fcu Branch	1 Commerce St	Poughkeepsie	NY
SUFFOLK Medford Branch Medford Branch	3681 Horseblock Rd	Medford	NY
QSIDE Deepdale Gardens Deepdale Gardens Branch	24931 61ST AVE	LITTLE NECK	NY
CFCU COMMUNITY 1030 Craft Road 1030 Craft Road Branch	1030 Craft Rd	Ithaca	NY
PALISADES Pearl River Pearl River Branch	300 N Middletown Rd	Pearl River	NY
VISIONS Credit Union Center Credit Union Center Branch	3301 Country Club Rd	Endwell	NY
UFIRST Ufirst Fcu Ufirst Fcu Branch	274 Rugar St	Plattsburgh	NY
DANNEMORA Dannemora-tom Miller Dannemora-tom Miller Branch	344 Tom Miller Rd	Plattsburgh	NY
COMMUNITY RESOURCE Albany Office Albany Office Branch	1125 Broadway	Menands	NY
CORNERSTONE COMMUNITY Stevens Street Stevens Street Branch	55 Stevens St	Lockport	NY
ONTARIO SHORES Ontario Shores Fcu Medina Ontario Shores Fcu Medina Branch	4200 Salt Works Rd	Medina	NY
WESTERN DIVISION Western Division Western Division Branch	6750 Main St	Williamsville	NY
RADIUS Vulcan Street Vulcan Street Branch	245 Vulcan St	Buffalo	NY
EMPIRE ONE Branch 010 Branch 010	1155 William St	Buffalo	NY
BUFFALO METROPOLITAN Main-62 S Elmwood Ave Buffalo, Ny 14202-2609 Main-62 S Elmwood Ave Buffalo, Ny 14202-2609 Branch	62 S Elmwood Ave	Buffalo	NY
XCEED FINANCIAL Branch 50 Branch 50	800 Phillips Rd	Webster	NY
FINGER LAKES Main Office 27 Seneca Main Office 27 Seneca Branch	27 Seneca St	Geneva	NY
CFCU COMMUNITY 1030 Craft Road 1030 Craft Road Branch	1030 Craft Rd	Ithaca	NY
CROSSROADS COMMUNITY Main - 3031 William Street Main - 3031 William Street Branch	3031 William St	Cheektowaga	NY
AFFINITY ONE Affinity One Federal Credit Union Affinity One Federal Credit Union Branch	545 E 2nd St	Jamestown	NY
CENTRA Jamestown, Ny Jamestown, Ny Branch	4720 Baker St	Lakewood	NY
C C S E Ccse Federal Credit Union Ccse Federal Credit Union Branch	417 Broad St	Salamanca	NY
HIGH POINT Olean Area Fcu Olean Area Fcu Branch	1201 Wayne St	Olean	NY
ALCO Wellsville Office Wellsville Office Branch	2859 Lindy Ln	Wellsville	NY
PARTNERS 1ST Partners 1st Fcu, Br. 3 Partners 1st Fcu, Br. 3 Branch	345 Scarborough Rd	Briarcliff Manor	NY
MID-HUDSON VALLEY Credit Union Center Credit Union Center Branch	1099 Morton Blvd	Kingston	NY
GREATER METRO Va Office Va Office Branch	423 E 23rd St	New York	NY
BETHPAGE Bay Shore Bay Shore Branch	591 E Main St	Bay Shore	NY
HUDSON RIVER FINANCIAL Main Office Main Office Branch	3563 Mohegan Ave	Mohegan Lake	NY
QSIDE Deepdale Gardens Deepdale Gardens Branch	24931 61ST AVE	LITTLE NECK	NY
JUSTICE New York Branch #9 New York Branch #9	290 Broadway Fl 10	New York	NY
UKRAINIAN NATIONAL Nyc Nyc Branch	215 2nd Ave	New York	NY
JOVIA FINANCIAL Greenvale Greenvale Branch	90 Northern Blvd	Greenvale	NY
AFFINITY ONE Affinity One Federal Credit Union Affinity One Federal Credit Union Branch	545 E 2nd St	Jamestown	NY
BAXTER Baxter Baxter Branch	8 Glens Falls Tech Park	Glens Falls	NY
BUFFALO METROPOLITAN Main-62 S Elmwood Ave Buffalo, Ny 14202-2609 Main-62 S Elmwood Ave Buffalo, Ny 14202-2609 Branch	62 S Elmwood Ave	Buffalo	NY
US Alliance Usalliance Federal Credit Union Usalliance Federal Credit Union Branch	411 Theodore Fremd Ave	Rye	NY
MOUNTAIN VALLEY Peru Federal Credit Union Peru Federal Credit Union Branch	700 Bear Swamp Rd	Peru	NY
DANNEMORA Dannemora-tom Miller Dannemora-tom Miller Branch	344 Tom Miller Rd	Plattsburgh	NY
GREAT MEADOW Comstock Comstock Branch	11627 State Route 22	Comstock	NY
HUDSON RIVER COMMUNITY Corinth Branch Corinth Branch	312 Palmer Ave	Corinth	NY
ONTARIO SHORES Ontario Shores Fcu Medina Ontario Shores Fcu Medina Branch	4200 Salt Works Rd	Medina	NY
WESTERN DIVISION Western Division Western Division Branch	6750 Main St	Williamsville	NY
RADIUS Vulcan Street Vulcan Street Branch	245 Vulcan St	Buffalo	NY
NORTH TOWNS Clarence Community & Schools Fcu Clarence Community & Schools Fcu Branch	9145 Sheridan Dr	Clarence	NY
EMPIRE ONE Branch 010 Branch 010	1155 William St	Buffalo	NY
TOWN OF CHEEKTOWAGA Town Of Cheektowaga Fcu Town Of Cheektowaga Fcu Branch	3251 BROADWAY St	CHEEKTOWAGA	NY
ADVANTAGE Broad Street Broad Street Branch	225 W Broad St	Rochester	NY
FAMILY FIRST OF NY Penfield Branch Penfield Branch	2520 Browncroft Blvd	Rochester	NY
FINGER LAKES Main Office 27 Seneca Main Office 27 Seneca Branch	27 Seneca St	Geneva	NY
RELIANT COMMUNITY Canandaigua Canandaigua Branch	3255 County Road 10	Canandaigua	NY
FIRST HERITAGE Main Office Main Office Branch	110 Village Sq	Painted Post	NY
SERVU Administration Administration Branch	9823 Science Center Dr	Painted Post	NY
FIRST NEW YORK Cobleskill Location Cobleskill Location Branch	795 E Main St Ste 1	Cobleskill	NY
GENERAL ELECTRIC EMPLOYEES Syracuse Syracuse Branch	497 Electronics Pkwy	Liverpool	NY
MOHAWK VALLEY 207 Genesee St 207 Genesee St Branch	207 Genesee St	Utica	NY
CROSSROADS COMMUNITY Main - 3031 William Street Main - 3031 William Street Branch	3031 William St	Cheektowaga	NY
AFFINITY ONE Affinity One Federal Credit Union Affinity One Federal Credit Union Branch	545 E 2nd St	Jamestown	NY
CENTRA Jamestown, Ny Jamestown, Ny Branch	4720 Baker St	Lakewood	NY
C C S E Ccse Federal Credit Union Ccse Federal Credit Union Branch	417 Broad St	Salamanca	NY
SOLUTIONS Main/only Office Main/only Office Branch	907 Broadway St	Elmira	NY
SIDNEY Sidney Sidney Branch	42 Union St	Sidney	NY
ULSTER Schwenk Dr Schwenk Dr Branch	127 Schwenk Dr	Kingston	NY
GREATER METRO Va Office Va Office Branch	423 E 23rd St	New York	NY
TEG Teg Fcu Teg Fcu Branch	1 Commerce St	Poughkeepsie	NY
PALISADES Pearl River Pearl River Branch	300 N Middletown Rd	Pearl River	NY
SPERRY ASSOCIATES Garden City Park Garden City Park Branch	2400 Jericho Tpke	Garden City Park	NY
JUSTICE New York Branch #9 New York Branch #9	290 Broadway Fl 10	New York	NY
ADVANTAGE FINANCIAL Brooklyn Va Medical Center Brooklyn Va Medical Center Branch	800 Poly Pl Rm 1110	Brooklyn	NY
PENTAGON West Point - Highland Falls West Point - Highland Falls Branch	481 Main St	Highland Falls	NY
UFIRST Ufirst Fcu Ufirst Fcu Branch	274 Rugar St	Plattsburgh	NY
Broadview FCU Clifton Park Branch Clifton Park Branch	1744 Route 9	Halfmoon	NY
BAXTER Baxter Baxter Branch	8 Glens Falls Tech Park	Glens Falls	NY
BETHPAGE Bay Shore Bay Shore Branch	591 E Main St	Bay Shore	NY
US Alliance Usalliance Federal Credit Union Usalliance Federal Credit Union Branch	411 Theodore Fremd Ave	Rye	NY
XCEL Xcel Federal Credit Union Xcel Federal Credit Union Branch	26 Federal Plz Ste 1702	New York	NY
SAINT LAWRENCE Commerce Park Drive Commerce Park Drive Branch	800 Commerce Park Dr	Ogdensburg	NY
TRAILNORTH Ticonderoga Federal Credit Union Ticonderoga Federal Credit Union Branch	43 Meacham St	Port Henry	NY
AMERICU Headquarters Headquarters Branch	1916 Black River Blvd N	Rome	NY
HUDSON RIVER COMMUNITY Corinth Branch Corinth Branch	312 Palmer Ave	Corinth	NY
COMMUNITY RESOURCE Albany Office Albany Office Branch	1125 Broadway	Menands	NY
ONTARIO SHORES Ontario Shores Fcu Medina Ontario Shores Fcu Medina Branch	4200 Salt Works Rd	Medina	NY
UKRAINIAN Rochester Main Office Rochester Main Office Branch	824 E Ridge Rd	Rochester	NY
WESTERN NEW YORK Main Office Main Office Branch	1937 Union Rd	West Seneca	NY
GREAT ERIE Great Erie Federal Credit Union Great Erie Federal Credit Union Branch	4000 N Buffalo St	Orchard Park	NY
ONE CREDIT UNION OF NY Niagara Center Niagara Center Branch	130 S Elmwood Ave Ste 126	Buffalo	NY
MERIDIA COMMUNITY Main Office Main Office Branch	4500 Southwestern Blvd	Hamburg	NY
GOOD NEIGHBORS Lancaster - Depew Lancaster - Depew Branch	30 Brunswick Rd	Depew	NY
FINANCIAL TRUST Harlem Harlem Branch	3333 Harlem Rd	Cheektowaga	NY
GEICO Woodbury Woodbury Branch	750 Woodbury Rd	Woodbury	NY
BUFFALO METROPOLITAN Main-62 S Elmwood Ave Buffalo, Ny 14202-2609 Main-62 S Elmwood Ave Buffalo, Ny 14202-2609 Branch	62 S Elmwood Ave	Buffalo	NY
ADVANTAGE Broad Street Broad Street Branch	225 W Broad St	Rochester	NY
FINGER LAKES Main Office 27 Seneca Main Office 27 Seneca Branch	27 Seneca St	Geneva	NY
RELIANT COMMUNITY Canandaigua Canandaigua Branch	3255 County Road 10	Canandaigua	NY
FIRST HERITAGE Main Office Main Office Branch	110 Village Sq	Painted Post	NY
ALTERNATIVES Alternatives Federal Credit Union Alternatives Federal Credit Union Branch	125 N Fulton St	Ithaca	NY
AUBURN COMMUNITY Main Office - 65 Wright Circle Main Office - 65 Wright Circle Branch	65 WRIGHT CIR	AUBURN	NY
SYRACUSE COOPERATIVE Westcott Office Westcott Office Branch	723 Westcott St	Syracuse	NY
FIRST NEW YORK Cobleskill Location Cobleskill Location Branch	795 E Main St Ste 1	Cobleskill	NY
GENERAL ELECTRIC EMPLOYEES Syracuse Syracuse Branch	497 Electronics Pkwy	Liverpool	NY
TOGETHER Baldwinsville Baldwinsville Branch	2885 Belgium Rd	Baldwinsville	NY
CIRCUIT Office Office Branch	2875 UNION RD STE 49	CHEEKTOWAGA	NY
GREATER CHAUTAUQUA Greater Chautauqua Fcu Greater Chautauqua Fcu Branch	57 Lake Shore Dr W	Dunkirk	NY
AFFINITY ONE Affinity One Federal Credit Union Affinity One Federal Credit Union Branch	545 E 2nd St	Jamestown	NY
SOUTHERN CHAUTAUQUA Lakewood Lakewood Branch	168 E Fairmount Ave	Lakewood	NY
CENTRA Jamestown, Ny Jamestown, Ny Branch	4720 Baker St	Lakewood	NY
C C S E Ccse Federal Credit Union Ccse Federal Credit Union Branch	417 Broad St	Salamanca	NY
OLEAN TEACHERS' AND POSTAL Olean Teachers' & Postal Federal Credit Union Olean Teachers' & Postal Federal Credit Union Branch	1700 CONSTITUTION AVE	OLEAN	NY
PARTNERS 1ST Partners 1st Fcu, Br. 3 Partners 1st Fcu, Br. 3 Branch	345 Scarborough Rd	Briarcliff Manor	NY
HORIZONS Horizons Fcu Horizons Fcu Branch	120 Main St	Binghamton	NY
GHS Main Office Main Office Branch	910 Upper Front St	Binghamton	NY
PEOPLE'S ALLIANCE Main Office Main Office Branch	125 Wireless Blvd	Hauppauge	NY
PALISADES Pearl River Pearl River Branch	300 N Middletown Rd	Pearl River	NY
JOVIA FINANCIAL Greenvale Greenvale Branch	90 Northern Blvd	Greenvale	NY
SPERRY ASSOCIATES Garden City Park Garden City Park Branch	2400 Jericho Tpke	Garden City Park	NY
TEACHERS Holbrook Holbrook Branch	5439 Sunrise Hwy	Holbrook	NY
PENTAGON West Point - Highland Falls West Point - Highland Falls Branch	481 Main St	Highland Falls	NY
BROADVIEW State Employees State Employees Branch	700 Patroon Creek Blvd	Albany	NY
US Alliance Usalliance Federal Credit Union Usalliance Federal Credit Union Branch	411 Theodore Fremd Ave	Rye	NY
CROSSROADS COMMUNITY Main - 3031 William Street Main - 3031 William Street Branch	3031 William St	Cheektowaga	NY
SIDNEY Sidney Sidney Branch	42 Union St	Sidney	NY
BAXTER Baxter Baxter Branch	8 Glens Falls Tech Park	Glens Falls	NY
PENTAGON West Point - Highland Falls West Point - Highland Falls Branch	481 Main St	Highland Falls	NY
RADIUS Vulcan Street Vulcan Street Branch	245 Vulcan St	Buffalo	NY
AMERICU Headquarters Headquarters Branch	1916 Black River Blvd N	Rome	NY
TWIN RIVERS Trfcu Trfcu Branch	23 Phillips St	Massena	NY
UFIRST Ufirst Fcu Ufirst Fcu Branch	274 Rugar St	Plattsburgh	NY
DANNEMORA Dannemora-tom Miller Dannemora-tom Miller Branch	344 Tom Miller Rd	Plattsburgh	NY
TRAILNORTH Ticonderoga Federal Credit Union Ticonderoga Federal Credit Union Branch	43 Meacham St	Port Henry	NY
HUDSON RIVER COMMUNITY Corinth Branch Corinth Branch	312 Palmer Ave	Corinth	NY
CORNERSTONE COMMUNITY Stevens Street Stevens Street Branch	55 Stevens St	Lockport	NY
NIAGARA'S CHOICE Packard Road Packard Road Branch	3619 Packard Rd	Niagara Falls	NY
NORTH TOWNS Clarence Community & Schools Fcu Clarence Community & Schools Fcu Branch	9145 Sheridan Dr	Clarence	NY
THE SUMMIT The Summit Fcu The Summit Fcu Branch	100 MARINA DR	ROCHESTER	NY
GEICO Woodbury Woodbury Branch	750 Woodbury Rd	Woodbury	NY
ESL Brighton Henrietta Brighton Henrietta Branch	100 Canal View Blvd	Rochester	NY
ADVANTAGE Broad Street Broad Street Branch	225 W Broad St	Rochester	NY
XCEED FINANCIAL Branch 50 Branch 50	800 Phillips Rd	Webster	NY
FAMILY FIRST OF NY Penfield Branch Penfield Branch	2520 Browncroft Blvd	Rochester	NY
FINGER LAKES Main Office 27 Seneca Main Office 27 Seneca Branch	27 Seneca St	Geneva	NY
CFCU COMMUNITY 1030 Craft Road 1030 Craft Road Branch	1030 Craft Rd	Ithaca	NY
ALTERNATIVES Alternatives Federal Credit Union Alternatives Federal Credit Union Branch	125 N Fulton St	Ithaca	NY
AUBURN COMMUNITY Main Office - 65 Wright Circle Main Office - 65 Wright Circle Branch	65 WRIGHT CIR	AUBURN	NY
GENERAL ELECTRIC EMPLOYEES Syracuse Syracuse Branch	497 Electronics Pkwy	Liverpool	NY
SIDNEY Sidney Sidney Branch	42 Union St	Sidney	NY
ULSTER Schwenk Dr Schwenk Dr Branch	127 Schwenk Dr	Kingston	NY
MID-HUDSON VALLEY Credit Union Center Credit Union Center Branch	1099 Morton Blvd	Kingston	NY
TEG Teg Fcu Teg Fcu Branch	1 Commerce St	Poughkeepsie	NY
MUNICIPAL Disaster Recovery Site Disaster Recovery Site Branch	755 Co Op City Blvd	Bronx	NY
PALISADES Pearl River Pearl River Branch	300 N Middletown Rd	Pearl River	NY
NASSAU FINANCIAL Garden City Garden City Branch	1325 Franklin Ave	Garden City	NY
ISLAND Headquarters Headquarters Branch	120 Motor Pkwy	Hauppauge	NY
SUFFOLK Medford Branch Medford Branch	3681 Horseblock Rd	Medford	NY
JUSTICE New York Branch #9 New York Branch #9	290 Broadway Fl 10	New York	NY
UNITED NATIONS Unfcu Headquarters Unfcu Headquarters Branch	2401 44th Rd	Long Island City	NY
ADVANTAGE FINANCIAL Brooklyn Va Medical Center Brooklyn Va Medical Center Branch	800 Poly Pl Rm 1110	Brooklyn	NY
PALISADES Pearl River Pearl River Branch	300 N Middletown Rd	Pearl River	NY
FAMILY FIRST OF NY Penfield Branch Penfield Branch	2520 Browncroft Blvd	Rochester	NY
A C M G Solvay Office Solvay Office Branch	1753 Milton Ave	Solvay	NY
PARTNERS 1ST Partners 1st Fcu, Br. 3 Partners 1st Fcu, Br. 3 Branch	345 Scarborough Rd	Briarcliff Manor	NY
SYRACUSE COOPERATIVE Westcott Office Westcott Office Branch	723 Westcott St	Syracuse	NY
BAXTER Baxter Baxter Branch	8 Glens Falls Tech Park	Glens Falls	NY
MUNICIPAL Disaster Recovery Site Disaster Recovery Site Branch	755 Co Op City Blvd	Bronx	NY
POLISH & SLAVIC Mcguinness Headquarters Mcguinness Headquarters Branch	100 McGuinness Blvd	Brooklyn	NY
CORNERSTONE COMMUNITY Stevens Street Stevens Street Branch	55 Stevens St	Lockport	NY
GEICO Woodbury Woodbury Branch	750 Woodbury Rd	Woodbury	NY
UKRAINIAN NATIONAL Nyc Nyc Branch	215 2nd Ave	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.