Account Rates

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Browse the rates of our account options offered by NY TEAM Federal Credit Union. Open an account easily with one of our Credit Union forms or by Calling (516) 822-1070 Option 3.

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TypeMin BalanceAnnual RateAPY
Share Account$2,500.00.05%.05%
Special Share Account$2,500.00.05%.05%
Youth Share Account$2,500.00.05%.05%
Share IRA Account$1.00.05%.05%
Money Market$2,500.00.05%.05%
Educational Club$2,500.002.00%2.02%
Vacation Club$2,500.00.05%.05%
Holiday Club$2,500.00.05%.05%

All rates and terms are subject to change without notice.

*APY: Annual Percentage Yield

**Annual Percentage Yield (APY) effective 2/1/2022 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.