Best Credit Union Savings Account Rates — April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Finance Calculators
Top credit union savings rates currently available include Responders Emergency Services Credit UnionResponders Emergency Services Credit Union924 W Sinto Ave, Spokane, WA 99201 2531A+5.0 ★Texas Ratio: 0.00% offering Savings at 12.00% APY, and Cyprus Federal Credit UnionCyprus Federal Credit Union3876 W Center view Way, West Jordan, UT 84084A+5.0 ★Texas Ratio: 2.42% offering Dream Round Up Savings at 10.00% APY, and Neighbors Credit UnionNeighbors Credit Union6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804A5.0 ★Texas Ratio: 8.62% offering SMART Savings at 10.00% APY, and Radiant Credit UnionRadiant Credit Union405 SE 2nd PL, Gainesville, FL 32601 6808A+5.0 ★Texas Ratio: 5.29% offering Even-Up Share* at 10.00% APY. Savings rates as of April 27, 2026 according to verified data from MonitorBankRates.
We compared 3,564 credit union savings rates from 1,528 credit unions across all 50 states to help you find the best share savings, money market, and high-yield credit union savings rates.
We evaluate every listed institution using proprietary Safety Grades (A+ to F), Star Ratings, and Texas Ratios — helping you find credit unions that offer both competitive rates and financial stability.
APYs reflect actual verified offers. Rates subject to change. Last Updated: April 27, 2026
Compare the Best Credit Union Savings Rates Nationwide
Maximum Balance: $1,200
No additional details available.
Qualifying balance up to $1,000.00
Qualifying balance up to $0.01
No additional details available.
Balance: $5 - $1,000
No additional details available.
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00
No additional details available.
Qualifying balance up to $1,000.00
Qualifying balance up to $1000.00
KEMBA Advantage APY
about homebuyer plus
BONUS GIFT: Every new Kids Club account comes with an adorable Moose Plush - the perfect savings adventure sidekick!
Qualifying balance up to $1,000.00
Qualifying balance up to $10,000.00
No additional details available.
No additional details available.
Qualifications Required: Monthly requirements must be met to qualify; Qualifying balance up to $750
One great rate, all Chaffey Members.
plus get $25 when balance reaches $1,000
Qualifications Required: at least one deposit must post and clear; the total of all deposits must be less than $200.00; Qualifying balance up to $2,500.00
Applicable Share Certificate dividends exclude HSA and IRA. Access via debit cards or checks (paper or electronic) not permitted. $5.00 monthly inactivity fee incurred if no additional activity across the business membership within previous 12 months. Business accounts only; consumer accounts not eligible.
No additional details available.
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No additional details available.
Qualifying balance up to $2000
Qualifying balance up to $1,000.00
No additional details available.
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
about homebuyer plus
(ages 0-17 or older with current Student ID)
Qualifying balance up to $1,000.00
Quarterly
Qualifying balance up to $500.00
No additional details available.
APY effective 2025/01/01
No additional details available.
No additional details available.
No additional details available.
Qualifying balance up to $15,000.00
Qualifications Required; Qualifying balance up to $10,000
Qualifying balance up to $10,000.00
Qualifying balance up to $5,000.00
Qualifying balance up to $500.00
Up to
No additional details available.
No additional details available.
No additional details available.
Qualifications Required: First Entertainment Checking Account; eStatements only; active online Bill Pay service or Direct Deposit; Qualifying balance up to $500.00
No additional details available.
bonus dividend rate of 5.00% APY* is paid on the first $2,500 balance in the account for the first 12 months
Qualifying balance up to $5,000.00
Qualifying balance up to $5,000.00
Qualifying balance up to $5000
No additional details available.
Qualifying balance up to $5,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $500
Qualifying balance up to $2,000
On the first $0 - $500 balance.
No additional details available.
Qualifying balance up to $1,000.00
No additional details available.
Qualifying balance up to $499.99
Qualifying balance up to $1,000.00
Qualifying balance up to $2,000.00
Round up savings is only for funds transferred from the Round UP Checking account. No additional deposits allowed. Dividends paid annually and subject to change without notice.
No additional details available.
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00
Qualifying balance up to $1,000.00
No additional details available.
Qualifying balance up to $500.00
Fees may reduce earnings. Rates are variable and may change after account opening. Membership is required; $5 minimum to open a membership.
No additional details available.
Qualifying balance up to $500.00
Qualifying balance up to $500
On your first qualified $500 in balances.
Qualifying balance up to $499.99
No additional details available.
Qualifying balance up to $1,000.00
No additional details available.
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00
Full Balance
No additional details available.
Qualifying balance up to $1,000.00
No additional details available.
As high as
Qualifying balance up to $5,000.00
Qualifications Required; Qualifying balance up to $2,500.00
max $300 deposit per month
Qualifying balance up to $1,000.00
UP TO AGE 21
AS HIGH AS
Qualifying balance up to $750
Qualifying balance up to $1000.00
Qualifying balance up to $500.00; $0 min opening deposit. No monthly fees. High yield checking required.
APY as high as
No additional details available.
Must be open for a minimum of three years and pays out on your child's college entrance date or 18th birthday, whichever comes first. Fees could reduce the earnings on the account. Available to qualifying Members. Some restrictions may apply. Ask for details. Receive a paper statement in the mail for $2.00 per month or enroll in free eStatements (electronic statements). Members under the age of 18, Senior Member Accounts, and department SSI excluded. Ask for details.
No additional details available.
as high as
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about homebuyer plus
No additional details available.
No additional details available.
No additional details available.
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No additional details available.
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No additional details available.
Qualifying balance up to $5,000.00
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Must be open for a minimum of three years and pays out on your child's college entrance date or 18th birthday, whichever comes first. Fees could reduce the earnings on the account. Available to qualifying Members. Some restrictions may apply. Ask for details. Receive a paper statement in the mail for $2.00 per month or enroll in free eStatements (electronic statements). Members under the age of 18, Senior Member Accounts, and department SSI excluded. Ask for details.
Earn as high as 4.00% APY* with the High Yield Savings Account!
Qualifying balance up to $10,000
ages 0-17 earn
No additional details available.
Earn 4% APY* with an InRoads Smart Start Savings account.
No additional details available.
On up to $50k
No additional details available.
Qualifying balance up to $10,000; for one year!
up to $5,000; Limited Time Special Rate up to $5,000**
Qualifying balance up to $1,000.00
No additional details available.
No additional details available.
Earn 4.00% APY* on balances up to $25,000; Earn 0.500% APY* on balances over $25,000
Qualifying balance up to $5,000.00
No additional details available.
No additional details available.
Qualifying balance up to $5,000.00
($50 - $500) Q1
No additional details available.
Qualifications Required: Receive e-statements; Receive $1,000 or more in eligible deposits to any Rivermark checking account within the same membership as the Loyalty Savings Account; Qualifying balance up to $25,000
Now offering a 4.0% APY to Texas businesses.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Terms and Conditions apply.
Qualifying balance up to $500.00
No additional details available.
Qualifying balance up to $500.00
balances up to $14,999.99
Direct Deposit to a new or existing Justice Federal Checking Account
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
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As high as
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No additional details available.
*APY=Annual Percentage Yield
Earn 3.75% APY* with Our Premier Savings Account; No minimum balance required to maintain HighMarq Savings; No fees to maintain HighMarq as long as you maintain eStatements.
No additional details available.
SCU Direct account offers a higher dividend rate to members who save systematically with a preauthorized weekly or monthly transfer from a SCU Checking Account. Unlimited withdrawals only when made in person. Online transfer available. Premium tiered variable dividend rate and APY. $10.00 minimum preauthorized transfer amount to open from your SCU Checking Account. $10,000 maximum opening deposit. Subsequent deposits to this account may be made only by means of a preauthorized weekly or monthly transfer from your qualifying checking account. Changing your transfer amount or frequency to this account can be done at any of our branch locations or by calling the contact center at 781-784-7725 or toll free at 877-661-3300
SCU Direct account offers a higher dividend rate to members who save systematically with a preauthorized weekly or monthly transfer from a SCU Checking Account. Unlimited withdrawals only when made in person. Online transfer available. Premium tiered variable dividend rate and APY. $10.00 minimum preauthorized transfer amount to open from your SCU Checking Account. $10,000 maximum opening deposit. Subsequent deposits to this account may be made only by means of a preauthorized weekly or monthly transfer from your qualifying checking account. Changing your transfer amount or frequency to this account can be done at any of our branch locations or by calling the contact center at 781-784-7725 or toll free at 877-661-3300
No additional details available.
No additional details available.
Free eStatements; Free Online Banking; Free Mobile Deposits
Qualifying balance up to $1,000.00
Intro rate subject to change
*APY=Annual Percentage Yield
No additional details available.
No additional details available.
No minimum balance requirement; No monthly service fees
No additional details available.
National Savings Rate Trends
Daily averages from thousands of rates across 8,500+ institutions.
Why Choose a Credit Union for Your Savings?
Credit unions are member-owned, not-for-profit financial cooperatives. Because they don’t answer to shareholders, they can return earnings to members through higher savings rates, lower loan rates, and minimal fees. Accounts at NCUA-insured credit unions carry the same federal deposit protection as FDIC-insured banks — up to $250,000 per depositor.
Many credit unions have expanded membership eligibility well beyond their original sponsor groups. Checking eligibility is easier than ever: most credit unions allow anyone who lives, works, worships, or attends school in a specific geographic area, or who joins an affiliated organization (sometimes with a small one-time donation), to qualify for membership.
How to Find the Best Credit Union Savings Rate
Because credit unions are community-based, the best rate for you depends on your location and eligibility. Use the state filter above to narrow results to credit unions operating in your area. For each institution, MonitorBankRates displays Safety Grades, Star Ratings, and Texas Ratios so you can weigh institutional health alongside the advertised APY.
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: We aggregate credit union savings rates nationwide directly from the official websites of credit unions using our proprietary rate aggregation technology. By pulling data straight from institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems monitor thousands of credit unions across all 50 states. Because credit unions frequently serve specific geographic areas or membership groups, using the state filter is highly recommended to surface the best local options.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update credit union savings rates daily. Every product listed features its own specific “last updated” date for full transparency.
Proprietary Institution Health & Safety Grades: MonitorBankRates evaluates the financial stability of every listed credit union. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective NCUA regulatory data — including the Texas Ratio — ensuring you choose financially secure institutions.
Savings Calculators
Frequently Asked Questions about Credit Union Savings
What is a Credit Union?
Are credit union savings accounts safe?
How do I join a credit union?
Do credit unions offer better rates than banks?
Can I open a credit union account online?
What is the difference between a credit union share account and a savings account?
What fees do credit unions charge on savings accounts?
What are the best Credit Union Savings rates right now?
- Responders Emergency Services Credit Union
Savings — 12.00% APY - Cyprus Federal Credit Union
Dream Round Up Savings — 10.00% APY - Neighbors Credit Union
SMART Savings — 10.00% APY - Radiant Credit Union
Even-Up Share* — 10.00% APY - Century Credit Union
Youth savings — 10.00% APY
More Savings Rate Options
