MoneyBuilders and MoneyMarkets are available for Business, HSA, and IRA accounts. 

APY is Annual Percentage Yield. Rates and yields are accurate as of the date below and are subject to change without notice.

*Companion Savings Accounts: Debit Rewards and Pinnacle Plus Companion Savings accounts are available to Debit Rewards Checking and Pinnacle account holders only. To earn premium interest rate on savings account, requirements of respective checking accounts must be met. If the requirements are not met, the Companion Savings account rate will be the same as the current Regular Share APY on the entire balance for the month. The APY on savings account balances of $10,000.01 and above will earn the current Regular Share APY. See Checking Accounts page for information on Debit Rewards and Pinnacle Checking.

**MoneyMarket Platinum Special: Special rate takes effect on day of opening and remains in place for 3 full months. Must be funded with at least $25,000 of new money. New money is money not on deposit with Family First over the last 60 days. Rate defaults to current MoneyMarket Gold rate at end of special. Other MoneyMarket Gold restrictions apply. Offer is for a limited time and may end or change at any time without notice. 

MoneyBuilder: During any statement period you may not make more than 6 transfers to another credit union account of yours or to a third party by means of preauthorized or automatic transfer or telephone order or instruction. These 6 transfers include those made by check, draft, debit card (if applicable), or similar order to third party. Transfers to make Family First loan payments, ATM withdrawals, in person withdrawals, and/or requests for checks made by phone or mail are exempt from the transfer restrictions. If you exceed the transfer limitations during your monthly cycle, your account will be subject to closure by the Credit Union, and you may be charged a fee for each excess item. If your account balance falls below Tier 1, you will not earn a dividend for that period.

Retirement (IRA) MoneyBuilder: Limited to manual distributions through a Member Service Representative. Any withdrawal is considered a distribution from your plan. Penalties and withholding may apply.

MoneyMarket Gold: During any statement period you may not make more than 3 transfers to another credit union account of yours or to a third party by means of preauthorized or automatic transfer or telephone order or instruction. If you exceed the transfer limitations during your monthly cycle, your account will be subject to closure by the Credit Union, and you may be charged a fee for each excess item. If your account balance falls below $10,000, you will not earn a dividend for that period.

Premier Savings Account: This is a variable rate account and the dividend rate and APY may change at any time without notice. Premier Savings account is available to new members only (see Member Account Agreement for membership eligibility details). To be considered a new member you must not have had an account at the Family First of NY Federal Credit Union for at least 180 days. Click here for the full Premier Savings Disclosure.

Rates are valid as of 09/20/2025