Best Credit Union Savings Account Rates — May 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 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 Radiant Credit UnionRadiant Credit Union405 SE 2nd PL, Gainesville, FL 32601 6808A+5.0 ★Texas Ratio: 4.88% offering Even-Up Share* 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 May 22, 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: May 22, 2026
Compare the Best Credit Union Savings Rates Nationwide
Qualifying balance up to $1,000.00
No additional details available.
No additional details available.
No additional details available.
Balance: $5 - $1,000
Qualifying balance up to $1,000.00
The first $500 on deposit will earn 9.57% interest for an APY of 10.00%.
Qualifying balance up to $5,000.00
No additional details available.
No additional details available.
Qualifying balance up to $1,000.00
Qualifications Required; Qualifying balance up to $500.00
Qualifying balance up to $1000.00
Qualifying balance up to $2,500.00
Qualifying balance up to $500
Qualifying balance up to $1,000.00
Maximum contribution of $2,000 per month from a qualified source, such as payroll from LAUSD or LACCD
KEMBA Advantage APY
$500 - $10,000
No additional details available.
No additional details available.
Qualifying balance up to $10,000.00
No additional details available.
$5 to $500
Qualifying balance up to $1,000.00
Qualifying balance up to $750.00
No additional details available.
No additional details available.
No additional details available.
Qualifying balance up to $20,000.00
No additional details available.
Qualifying balance up to $2500
plus get $25 when balance reaches $1,000
Qualifying balance up to $2000.00
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
No additional details available.
No additional details available.
No additional details available.
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00
No additional details available.
(ages 0-17 or older with current Student ID)
No additional details available.
Qualifying balance up to $1,000.00
No additional details available.
Qualifying balance up to $500.00
No additional details available.
No additional details available.
Balances above $500 earn 0.25% APY.
No additional details available.
No additional details available.
Qualifying balance up to $5,000.00
Qualifying balance up to $15,000.00
Qualifying balance up to $10,000.00
Qualifying balance up to $5,000.00
No additional details available.
Qualifying balance up to $2,500.00
No additional details available.
Qualifying balance up to $499.99
No additional details available.
Qualifying balance up to $1,000.00
No additional details available.
No additional details available.
Qualifying balance up to $2,000.00
No additional details available.
Qualifying balance up to $500.00
Qualifying balance up to $500.00
No additional details available.
Qualifying balance up to $500.00
No additional details available.
Qualifying balance up to $1,000.00
Qualifying balance up to $5,000.00
Qualifying balance up to $1,000.00
No additional details available.
Qualifying balance up to $500.00
Qualifying balance up to $750
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $15,000.00
No additional details available.
Qualifying balance up to $2,500.00; Fees may reduce earnings. Rates are variable and may change after account opening. Membership is required; $5 minimum to open a membership.
Qualifying balance up to $499.99
No additional details available.
Up to
Qualifying balance up to $500.00
Qualifying balance up to $500.00
1% Unlimited Cash Back; 1.00% APY on Checking Balance; No Minimum Balance; No Monthly Relationship Fee
Qualifying balance up to $1,000.00
No additional details available.
Full Balance
Qualifying balance up to $1,000.00
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.
Qualifying balance up to $1,000.00
On the first $0 - $500 balance.?
Qualifying balance up to $500.00
Qualifying balance up to $5000
max $300 deposit per month
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.
Qualifying balance up to $1,000.00
No additional details available.
UP TO AGE 21
Balances $0.00 - $1,000.00
Qualifying balance up to $1,000.00
On your first qualified $500 in balances.
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
APY as high as
Qualifying balance up to $500.00; $0 min opening deposit. No monthly fees. High yield checking required.
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. APY effective as of May 2026.
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.
No additional details available.
No additional details available.
No additional details available.
Qualifying balance up to $5,000.00
Qualifying balance up to $5,000.00
No additional details available.
No additional details available.
No additional details available.
Minimum balance $100,000.
No additional details available.
No additional details available.
No additional details available.
Qualifying balance up to $2,500.00
High-Yield Savings Account
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 May 2026.
No additional details available.
($50 - $500) Q1
Qualifications Required: e-statements; $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
Up To
No additional details available.
Qualifying balance up to $5,000.00
Qualifying balance up to $25,000.00
Earn 4.00% APY* on balances up to $25,000
As Low As; Use your money on deposit as security for a great rate
No additional details available.
Now offering a 4.0% APY to Texas businesses.
Qualifying balance up to $5,000.00
No additional details available.
No additional details available.
Qualifying balance up to $25,000.00
No additional details available.
No additional details available.
On up to $50k
No additional details available.
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.
No additional details available.
Qualifying balance up to $500.00
No additional details available.
No additional details available.
Qualifications Required: direct deposit(s) of at least $500.00 to a Freedom Direct, Justice National, Beyond the Badge or Student checking account; Qualifying balance up to $25,000
Direct Deposit to a new or existing Justice Federal Checking Account
No additional details available.
ages 0-17 earn
No additional details available.
Qualifying balance up to $10,000; for one year!
No additional details available.
Minimum to Open $2,500.00
No additional details available.
No additional details available.
No additional details available.
Qualifying balance up to $10,000.00
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As high as
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
$250 Minimum / 12 Months
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?
- ORSA Credit Union
High Yield Savings — 10.00% APY - Radiant Credit Union
Even-Up Share* — 10.00% APY - Avestar Credit Union
Round Up Savings Account — 10.00% APY - Cyprus Federal Credit Union
Dream Round Up Savings — 10.00% APY - Panhandle Credit Union
Rising Tide Youth Share — 10.00% APY
More Savings Rate Options
