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Money Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
moneyfcu.org
315-671-4000
100 Madison St Plaza Suite 100
Syracuse, NY 13202

Money Federal Credit Union is headquartered in Syracuse and is the 128th largest credit union in the state of New York. It is also the 2,418th largest credit union in the nation. It was established in 1976 and as of December of 2024, it had grown to 8 employees and 3,453 members at 1 location. Money Federal Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

To be eligible for membership at Money Federal Credit Union, individuals must live, work, or attend school in the New York counties of Cayuga, Madison, Onondaga, or Oswego. Businesses and other legal entities within these counties are also eligible for membership.
See current membership details

Reviews

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Health
B+

Data as of Q4 2024

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Money Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #22566
Year Chartered1976
Employees8
Primary Regulator
Profit Margin
Return on Assets - YTD0.07%
Return on Equity - YTD0.73%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$51.1MM$48.6MM
LoansQ4 2024vs Q4 2023$23.1MM$24.5MM
DepositsQ4 2024vs Q4 2023$45.7MM$44.8MM
Equity CapitalQ4 2024vs Q4 2023$4.6MM$3.5MM
Loan Loss AllowanceQ4 2024vs Q4 2023$178K$179K
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$174K$218K
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Money Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.07%$100-Regular Savings
0.07%$0-Holiday Savings
0.07%$0-Vacation Savings
0.07%$0-U-Name It Savings
0.07%$0-Teen Savings
0.07%$0-Kids Savings

Money Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%*$100k*-Money Market Savings
OTHER TIERS: 0.30% → $2.5k - $10k | 0.35% → $10k - $25k | 0.45% → $25k - $50k | 0.55% → $50k - $100k

Money Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%$5k-12 Month Certificate - New Money
2.50%$500-12 Month Certificate
2.02%$500-24 Month Certificate
1.80%$500-60 Month Certificate
1.70%$500-48 Month Certificate
1.60%$500-18 Month Certificate
1.60%$500-36 Month Certificate
1.50%$500-6 Month Certificate

Money Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%$5k-12 Month IRA Certificate - New Money
2.50%$500-12 Month IRA Certificate
2.02%$500-24 Month IRA Certificate
1.80%$500-60 Month IRA Certificate
1.70%$500-48 Month IRA Certificate
1.60%$500-36 Month IRA Certificate
0.07%$0-IRA Savings
Locations


Money Federal Credit Union Locations
Branch Office100 Madison St Plaza Suite 100Syracuse, NY 13202

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