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Money Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.60%
Our Rating
4.3  / 5
American Express
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 7/1/2025
3.80%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.31%
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 7/1/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.44%
Our Rating
4.3  / 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 7/1/2025
4.20%
Our Rating
3.8  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 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 127th largest credit union in the state of New York. It is also the 2,382nd largest credit union in the nation. It was established in 1976 and as of March of 2025, it had grown to 8 employees and 3,448 members at 1 location. Money Federal Credit Union's CD rates are 3X 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 Q1 2025

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 - YTD0.17%
Return on Equity - YTD1.83%
Annual Interest Income$447K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$53.7MM$50.9MM
LoansQ1 2025vs Q1 2024$22.4MM$24.2MM
DepositsQ1 2025vs Q1 2024$48.7MM$46.7MM
Equity CapitalQ1 2025vs Q1 2024$4.8MM$3.9MM
Loan Loss AllowanceQ1 2025vs Q1 2024$169K$189K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$280K$105K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.60%
Our Rating
4.3  / 5
American Express
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 7/1/2025
3.80%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.31%
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 7/1/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.44%
Our Rating
4.3  / 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 7/1/2025
4.20%
Our Rating
3.8  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 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%$0-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
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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