Best Credit Union Savings Account Rates — July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Top credit union savings rates currently available include Panhandle Credit UnionPanhandle Credit Union2718 Martin Luther King Jr Blvd, Panama City, FL 32405 4408A+5.0 ★Texas Ratio: 1.16% offering Rising Tide Youth Share at 10.00% APY, and ORSA Credit UnionORSA Credit Union500 S HARVEY ST, PLYMOUTH, MI 48170 1759A5.0 ★Texas Ratio: 7.78% offering High Yield Savings at 10.00% APY, and Avestar Credit UnionAvestar Credit Union125 W Madison St, Waterloo, WI 53594A5.0 ★Texas Ratio: 8.11% offering Round Up Savings Account at 10.00% APY, and Cyprus Federal Credit UnionCyprus Federal Credit Union3876 W Center view Way, West Jordan, UT 84084A+5.0 ★Texas Ratio: 2.25% offering Dream Round Up Savings at 10.00% APY. Savings rates as of July 25, 2026 according to verified data from MonitorBankRates.
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: July 25, 2026
Compare the Best Credit Union Savings Rates
Balance: $5 - $1,000
Give your cash a high-yield boost with 10% APY** on your first $1,000 at the place for savers! Throughout 2025, our High Yield Savings account was consistently ranked either #1 or among the top three in America by MarketWatch.
Dividends compounded and paid monthly
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Kid's earn 10% APY on the first $500 they save! Earn $1 for every "A" or "B" on their semester report card. Member must redeem their filled sticker card in branch. The first $500 on deposit will earn 9.57% interest for an APY of 10.00%. All funds above $500 on deposits will earn the same rate as a regular savings account.
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Limited-time offer
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See full reward savings details and account requirements here .
Account balances up to $1,000.00
Tiered balance; Rate applies to balances from $0.01 to $1,000.00
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on first $500; Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
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Qualifying balance up to $2,000.00
Certificated and classified school employees of our Board approved SEGs are eligible for our Summertime Savings Account bonus rate.
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on first $2500; Dividends Compounded & Credited: Monthly; Dividend Period: Monthly
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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. 0.05% APY applies when the balance is $2,500.01 and greater, or to all balances if monthly qualifications are not met. Dividends will be credited to your account and compounded every month. Limit of one I Can Save account per member. Periodic withdrawals are not allowed on this account. Only a withdrawal of the entire balance is allowed, which will result in the closure of this account. Once closed, another I Can Save account will not be allowed for a period of two years from the date of account closure.
Prepare for next year's sunshine and adventures with Hello Summer Savings-earn 6.00% APY* and watch your savings grow like magic! ENDS August 29, 2026
Promoted interest rate paid on entire balance when maintained at $5.01 and above. No interest paid on balances $5.00 and below. 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.
Promoted interest rate paid on entire balance when maintained at $5.01 and above. No interest paid on balances $5.00 and below. Annual Percentage Yield (APY) as of 11/01/2025 if balance is above $5; subject to change.
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Qualifying balance up to $1,000.00
Balances above $2,500.00 are paid the standard share savings rate. For members from ages 0-21.
Dividends paid quarterly and at account maturity on June 15, 2027. Monthly direct deposit or payroll deduction of $50 - $2,000 must be set up for account; money transfer apps (i.e.: Zelle, Venmo) do not count as direct deposit. After 60 days of no deposits, account will be closed, and funds will be transferred to your regular savings account. Account will not be closed if there are no deposits during the summer months, but will be closed if deposits do not start by October 1, 2026. Earnings transferred to chosen savings account at account maturity. Account automatically renews at maturity with the updated rate for the new program year. Limit 1 Summer Savings Club account per Member.
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Additional deposits can be made up to $8,000. The minimum additional deposit is $100. The Teen Savings matures on the teen's 18th birthday. Any withdrawal prior to maturity will result in a penalty of all dividends earned.
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$0-$1,000
APY on balances up to $500. Rate may change. Fees could reduce earnings. First-year earnings are based on a 12-month average. APY effective 4/16/2026 and subject to change.
ages 0-17 or older with current Student ID
Youth Savings available to members under the age of 21 years old and earns 5.00% APY up to $1,000 deposited, Regular Share Savings rate for balances thereafter; at 21, Youth Savings converts to a Regular Share Savings account.
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Rates effective as of 3/1/2026 and are subject to credit criteria, collateral, and term. Certain restrictions apply. Membership eligibility required.
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APY is accurate as of the last dividend declaration date. No minimum balance required to earn the APY and no penalty for withdrawals. Balances above $500 earn 0.25% APY. Rate is subject to change and may change after the account is opened. STCU membership is required to open account and fees may reduce earnings. One First5 Savings Account per person.
Includes: Earn Interest Daily No Monthly Service Fee Easy Online Access Quarterly Statements
Paid Quarterly
Qualifying balance up to $5,000.00
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For the Accelerate It Savings account, the dividend rate and annual percentage yield are subject to change without notice after account opening. APY dividend of 5.00% is earned on balances $100.00 to $5,000.99. Balances $5,001.00 and above will receive APY of 0.20%. One Accelerate It Savings per Social Security or Taxpayer Identification Number. For Accelerate It Savings accounts, you must have an open checking account located under the same membership number as the Accelerate It Savings account. If your checking account is closed for any reason, your Accelerate It Savings account will convert to a Regular Savings account. You must be 22 years or older to open an Accelerate It Savings account. Rate offers accurate as of 06/01/2025. APY is accurate as of the last dividend declaration date. Other rates and terms available. Fees may reduce earnings on the account. Membership eligibility required.
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max $300 deposit per month
Tiered rate; 5.00% to 0.01%
As high as
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Qualifying balance up to $500.00
Balances $0.00 - $1,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; APY is accurate as of 7/11/2026 and subject to change, including after account opening, without notice. The Student Savings account is a variable rate tiered account. Balances $1,000.01 to $10,000.00 earn 5.00% - 1.39% APY range and 1.00% dividend rate. $10,000.00 balance is an illustrative example for APY computation purposes only. There is no maximum balance for Student Savings accounts. The dividend rate is paid on the portion of the daily balance within each balance tier. Fees may reduce earnings.
Rates are variable and may change after account opening. Membership is required; $5 minimum to open a membership. See Our Rates and Service Charges disclosure and Member Service Agreement here. All rates, terms and conditions are subject to change without notice. Call the credit union for full details on terms and fees at 989-791-7070 ext. 3503.
Qualifications Required; First Entertainment Checking Account and eStatements only (member must discontinue receipt of paper statements). Member must also have either active online Bill Pay service or Direct Deposit. Active is defined as one transaction every ninety (90) days for either service. Youth Accounts will earn 5.00% APY on account balances up to $500 with Digital Banking enrollment and eStatements only. Balances above $500 in qualifying accounts and any balance in a non-qualifying First500 Account will earn the First500 Savings Base Rate. One First500 Account per Social Security Number. Rates subject to change without notice and may vary. In certain instances when the minimum balance is not maintained and no other services or accounts are open, a low balance monthly fee may apply. Check with the credit union for complete details.
Qualifying balance up to $1,000.00; 5.00% to 3.21% APY on balances between $1,000 and $2,500 depending on balance in account; 3.21% to 0.50% APY on balances over $2,500 depending on balance in account; 1 free withdrawal per quarter; $25.00 fee for each additional withdrawal; Shared branching available
APY on the first $1,000. Balances above $1,000 will earn our regular savings rate.
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Free Greenlight subscription included! Debit card and money app for kids and teens, a $70 value*
Make a debit purchase - We'll put 5¢ into a Unitus Rewards savings account for every purchase of $5.00 and up. Round up your purchase. Available with Unitus Checking.
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Qualifying balance up to $19999.00
Earn 5% APY* on the first $5,000 with a new savings account.
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Rates currently
Bonus dividend rate of 5.00% APY* is paid on the first $2,500 balance in the account for the first 12 months** beginning on the date the account is opened! Non-Bonus Rate is 0.05% with anticipated APY of 0.05% for balances of $2500.01 and greater. Offer subject to change without notice.
Balances up to $1,000.00
Qualifying balance up to $1,000.00
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On the first $0 - $500 balance. Learn More
On the first $0 - $500.
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.
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Qualifying balance up to $1,000.00
On your first qualified $500 in balances.
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UP TO AGE 21
APY AS HIGH AS
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APY applies to balance up to $5,000. Balances exceeding $5,000 will earn 0.100% APY. Rates quoted are subject to change without notice.
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Qualifying balance up to $1,000.00
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Additional deposits can be made up to $5,000. The minimum additional deposit is $100. The Youth Savings matures on the child's 13th birthday. Any withdrawal prior to maturity will result in a penalty of all dividends earned.
APY as high as
4.50% APY†on $0-500 balance. $0 min opening deposit. No monthly fees. High yield checking required.
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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. APY effective as of July 2026. 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.
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Savings as high as 4.25% APY*
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Rates as high as
Your savings account through ASECU is liquid. It can be used at anytime when you need cash. We do not offer CD's.
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Variable rate account. Your share rate may change after the account has been opened. Rates are not guaranteed. Penalties for early withdrawals may apply. Fees may reduce earnings on the account.
Qualifying balance up to $5,000.00
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1
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Qualifying balance up to $2,500.00
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No minimum balance requirement, no monthly service fees
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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. APY effective as of July 2026. 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.
Compounding: Monthly
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Up to 4.01% APY*
Dividends will be compounded annually. Dividends will be credited to your account annually. The dividend period is annually. If you close your share account before dividends are paid, you will not receive the accrued dividends.
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Starting at 4.00% APY*; Intro Rate For 12 Months
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Earn 0.500% APY* on balances over $25,000
Qualifications Required: Qualifications Required; 4.00% APY earned on balances up to $100,000.00
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Requires a minimum of $250,000 on deposit
Qualifying balance up to $50,000.00
Compounding: Monthly. The dividend rate and annual percentage yield are subject to periodic change, as determined by the credit union. Dividends will be compounded monthly and credit to your account every month. If you close your account before dividends are paid, you will not receive the accrued dividends.
Compounding: Monthly
Earn More When You Spend - Debit Card Cash Back Rewards
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Blended rate account. Qualifying balance up to $25,000.00
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Qualifications Required: Direct deposit(s) of at least $500.00 to a Freedom Direct, Justice National, Beyond the Badge or Student checking account during a month.; Earn 4.00% APY* when you open a high-yield Freedom Direct Savings Account with Direct Deposit to a Checking account. No withdrawal fees. No monthly service fees. No minimum balance requirement. Direct Deposit and Automatic Transfers Available. With automatic transfers you can easily set recurring deposits to your Freedom Direct Savings. Remember, the more you save, the more you earn. With a rate of 4.00% APY* , you can sit back and watch your money grow!
Highest yield on balances up to $1,000. A blended APY is calculated based on balances in each earning tier. There is no minimum balance requirement to obtain the disclosed annual percentage yield (APY).
When you add Direct Deposit to a new or existing Justice Federal Checking Account.
Up to $5,000
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Earn up to 4.00% APY* on balances up to $25,000!
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on your first $10,000
Your savings account through ASECU is liquid. It can be used at anytime when you need cash. We do not offer CD's.
Blended APY range calculated on an assumed sample deposit of $10,000.00 for Youth Savings
Highest yield on balances up to $1,000. A blended APY is calculated based on balances in each earning tier. There is no minimum balance requirement to obtain the disclosed annual percentage yield (APY).
Qualifying balance up to $500.00
Rates as of 07/11/2026; up to
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Qualifying balance up to $2,000.00
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APY between 0.05 and 4.00%; ask for full details, qualifications required!
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Balances up to $14,999.99. Limit of one Preferred Savings account per member. Federally insured by NCUA. $5 Membership Share account required.
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Limited Time Special Rate up to $5,000**
Limited time offer.
Qualifications Required; Tiered balance
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# New Money
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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 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 Coast-to-Coast 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?
- Panhandle Credit Union
Rising Tide Youth Share — 10.00% APY - ORSA Credit Union
High Yield Savings — 10.00% APY - Avestar Credit Union
Round Up Savings Account — 10.00% APY - Cyprus Federal Credit Union
Dream Round Up Savings — 10.00% APY - Radiant Credit Union
Even-Up Share* — 10.00% APY
More Savings Rate Options
