Account Rates
Browse the rates of our account options offered by NY TEAM Federal Credit Union.
Get more from your money with our Credit Union deposit rates that benefit all members.
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| Account Type | Minimum Balance to Earn Dividend | Dividend Rate | APY* |
|---|---|---|---|
| Share & IRA Share Account | $2,500.00 + | 0.05% | 0.05% |
| Youth Savings Account | $0.01 – $1,000.00 | 2.50% | 2.53% |
| $1,001.00 + | 0.05% | 0.05% | |
| Money Market Account | $2,500 – $24,999.99 | 0.25% | 0.25% |
| $25,000 – $99,999.99 | 0.50% | 0.50% | |
| $100,000 + | 0.70% | 0.70% | |
| Club Accounts | |||
| Educational Club Account | $0.01- $2,499.00 | 2.50% | 2.53% |
| $2,500.00 + | 0.05% | 0.05% | |
| Holiday & Vacation Club | $2,500.00 + | 0.05% | 0.05% |
| Certificates | |||
| 3 Month | $1000.+ | 1.92% | 2.00% |
| 6 Month | 3.98% | 4.05% | |
| 9 Month | 2.47% | 2.50% | |
| 12 Month Certificate & IRA Certificate | 2.47.% | 2.50% | |
| 16 Month | 2.96% | 3.00% | |
| 18 Month | 2.72% | 2.75% | |
| 24 Month & IRA Certificate | 2.96% | 3.00% | |
| 30 Month | 1.98% | 2.00% | |
| 36 Month & IRA Certificate | 1.98% | 2.00% | |
| 48 Month | 1.98% | 2.00% | |
| 60 Month | 1.98% | 2.00% |
All rates and terms are subject to change without notice.
*APY: Annual Percentage Yield
**Annual Percentage Yield (APY) effective 11/7/2022 and is subject to change without notice. Balances higher than $2,500 currently earn 0.05% APY. The calculated rate, which is shown on the account statement, is based on the balances above $2,500 calculated at 0.05% APY which is the current Regular Share Savings account APY. Special rate limited to one Educational Club Account account per primary member. Fees or other conditions could reduce earnings. $1 balance required to open account. Subject to membership eligibility. Dividends earned will be reported as interest on IRS Form 1099-INT (or Form 1042-S, if applicable). Federally insured by the NCUA. For more information, please see a Member Service Team member.
***A penalty may be imposed for early withdrawals.
We will use the daily balance method to calculate the interest on your account. We may change the interest rate paid for products and services used and the annual percentage yield at the Credit Union’s discretion at any time without notice. Fees may reduce earnings.