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Salt Lake City Federal Credit Union

Best ForEveryday Medical Spending
FeesNone ($0 Maintenance)

Quick Summary

  • HSA savings account

The Verdict

Salt Lake City Federal Credit Union provides essential HSA features with zero monthly maintenance fees and basic savings functionality, earning a 0/5.0 rating from HSA Orbit.

As a member-owned financial institution, our mission since 1953 has been to improve financial lives. Rooted in CNY’s industrious past, virtually everything we do centers around a time-honored commitment to our members and the community.

We do a lot more than help people save on loans and earn on savings. We’re a trusted partner in reaching financial goals and dreams—and a lifeline when times are tough.

Honoring our past and the economic and natural resilience of our community, ACMG became Salt City Federal Credit Union in 2025. Having grown nearly 60 percent over the last few years, our new name is also a celebration of strength and staying power.

Renovation of our Solvay headquarters is the perfect metaphor of our success. Instead of tearing down, we’re building on our strengths—and our success story keeps getting better. Facilities, access, products and services are continuously improving to meet evolving needs.

We may look a little different, but we’re still the same great credit union with the same strong values. The important things will never change, because we’re local and we care.

Key Features

Banking & Access

Includes debit card, online banking and check-writing.

Investment Options

This provider focuses on cash savings without investment options.

Security & Insurance

Deposits are FDIC/NCUA insured for your protection.

Account Details

No minimum balance to open. no account opening fees.

Fee Analysis

Fee TypeThis ProviderIndustry AverageVerdict
Monthly Maintenance$0.00$0.69EXCELLENT
Account Opening$0.00$1.88EXCELLENT
Account Closing$0.00$1.95EXCELLENT

Industry averages calculated from 853 providers in the HSA Orbit database.

Investment Options

Savings-Only Account

Salt Lake City Federal Credit Union currently offers a savings-focused HSA without investment options. Your funds earn interest in a cash account.

Interest Rates

Standard Rates

Balance RangeAPY
$0 - $2,5000.20%
$2,500 - $10,0000.40%
$10,000+0.60%

Last updated: 10-06-2025

Contact Information

Address

1753 Milton Avenue Solvay, NY 13209 Customer Service Mailing Address P.O. Box 188 Solvay, NY 13209

Customer Service

315-488-4433

1753 Milton Avenue Solvay, NY 13209 Customer Service Mailing Address P.O. Box 188 Solvay, NY 13209

At a Glance

Monthly Fee$0
Investment ThresholdN/A
Interest Rate (Cash)~0.60%
Debit CardIncluded
FDIC InsuredYes

Pros & Cons

The Good

  • No monthly maintenance fees
  • No account opening or closing fees
  • FDIC/NCUA insured deposits

The Bad

  • No investment options available

User Sentiment

Based on community feedback

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NegativeNeutralPositive

Sentiment data coming soon

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