Savings Rates Effective January 1, 2026
Savings rates are based on Credit Union profitability and cannot be guaranteed.
All rates listed below are subject to change. Earnings may be reduced by fees.
| Savings Accounts | Nominal Rate | APY* |
| One Year Share Certificate** | 3.50% | 3.50% |
| Share & Clubs | 1.00% | 1.00% |
| IRA Share | 1.60% | 1.60% |
* APY = Annual Percentage Yield, interest earned over the course of 365 days
** $500 Minimum to open; 90 Day Interest Penalty for Early Withdrawal; Fees may reduce earnings.
SUNY Fredonia Federal Credit Union 2026