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Deposit Rates
Explore competitive savings, money market and certificate rates from TEG Federal Credit Union in the Hudson Valley.
Compare account options, opening deposits and certificate terms to find the right fit for your savings goals.
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*APY = Annual Percentage Yield. Rates as of 10/1/2026 and may change at any time. Fees and early withdrawal penalties may reduce earnings. APY assumes dividends remain on deposit. A $5 minimum share account balance is required for TEGFCU membership. See certificate details below.
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CURRENT DEPOSIT RATES
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Primary Share Accounts
Custodial Savings Accounts
| Daily Minimum | APY* | Dividend Rate |
|---|---|---|
| $100 | 0.05% | 0.05% |
APY = Annual Percentage Yield. Rates as of 6/1/26 and may change at any time. Dividends declared on the last day of the month. Fees may reduce earnings. A $5 minimum share account balance is required for TEGFCU membership. Minimum to open account is $0.00.
Holiday Club Accounts
| Daily Minimum | APY* | Dividend Rate |
|---|---|---|
| $100 | 0.05% | 0.05% |
APY = Annual Percentage Yield. Rates as of 6/1/26 and may change at any time. Dividends declared on the last day of the month. Fees may reduce earnings. Payout occurs in October. A $5 minimum share account balance is required for TEGFCU membership. Minimum to open account is $0.00.
Special Savings Accounts
| Term | Daily Minimum | APY* | Dividend Rate |
|---|---|---|---|
| $100 | $100 | 0.05% | 0.05% |
APY = Annual Percentage Yield. Rates as of 6/1/26 and may change at any time. Dividends declared on the last day of the month. Fees may reduce earnings. A $5 minimum share account balance is required for TEGFCU membership. Minimum to open account is $0.00.
Money Market Accounts
| Daily Minimum | APY* | Dividend Rate |
|---|---|---|
| $1,000-$49,999.99 | 0.15% | 0.15% |
| $50,000-$99,999.99 | 0.25% | 0.25% |
| $100,000 and over | 0.50% | 0.50% |
APY = Annual Percentage Yield. Rates as of 6/1/26 and may change at any time. Dividends are compounded and declared on the last day of the month. Maximum of 6 withdrawals/transfers per month. Fees may reduce earnings. APY is based on non-withdrawal of dividends earned. A $5 minimum share account balance is required for TEGFCU membership. Minimum to open account is $1,000.00.
Business Money Market Accounts
Business Money Market Accounts
| Daily Minimum | APY* | Dividend Rate |
|---|---|---|
| $1,000-$49,999.99 | 0.15% | 0.15% |
| $50,000-$99,999.99 | 0.25% | 0.25% |
| $100,000 and over | 0.50% | 0.50% |
APY = Annual Percentage Yield. Rates as of 6/1/26 and may change at any time. Dividends are compounded and declared on the last day of the month. Maximum of 6 withdrawals/transfers per month. Fees may reduce earnings. APY is based on non-withdrawal of dividends earned. A $5 minimum share account balance is required for TEGFCU membership. Minimum to open account is $1,000.00.
Share & IRA Certificates
| Term | APY* | Dividend Rate |
|---|---|---|
| 3 months | 0.55% | 0.55% |
| 6 months | 3.95% | 3.88% |
| 12 months | 4.05% | 3.98% |
| 24 months | 4.15% | 4.07% |
| 36 months | 4.35% | 4.27% |
| 48 months | 3.00% | 2.96% |
| 60 months | 3.00% | 2.96% |
APY = Annual Percentage Yield. Rates as of 10/1/2026 and may change at any time. Maximum term is 60 months. Dividends declared on the last day of the month. Fees and early withdrawal penalties may reduce earnings. APY is based on non-withdrawal of dividends earned. A $5 minimum share account balance is required for TEGFCU membership. Minimum to open account is $500.00.
IRA Holding Account
| Term | APY* |
|---|---|
| Previous Quarter Paid on all balances | 0.10% |
APY = Annual Percentage Yield. Rates as of 6/1/26 and may change at any time. Dividends declared on the last day of the month. Fees may reduce earnings. A $5 minimum share account balance is required for TEGFCU membership. Minimum to open account is $5.00.
