Best Credit Union Savings Account Rates — September 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 SPECTRA Credit UnionSPECTRA Credit Union1024 Saint Nicholas Dr, Waldorf, MD 20603A5.0 ★Texas Ratio: 9.23% offering Brilliant Kids Savings at 10.38% APY, and Cyprus Federal Credit UnionCyprus Federal Credit Union3876 W Center view Way, West Jordan, UT 84084A+5.0 ★Texas Ratio: 2.94% offering Dream Round Up Savings at 10.00% APY, and Alliance Credit Union Fenton, MOAlliance Credit Union Fenton, MO1280 S Highway Dr, Fenton, MO 63026 1913A+5.0 ★Texas Ratio: 3.54% offering Star Student Savings Club at 10.00% APY, and Radiant Credit UnionRadiant Credit Union405 SE 2nd PL, Gainesville, FL 32601 6808A+5.0 ★Texas Ratio: 2.97% offering Even-Up Share at 10.00% APY. Savings rates as of September 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: September 22, 2026
Compare the Best Credit Union Savings Rates
No additional details available.
Balance: $0.01 and over
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. Member must redeem their filled sticker card in branch.
No additional details available.
Balance: $0.01 to $5,000
Balance: $0 - $10,000
Balance: $5 - $1,000
Balance: $5,000 and under
10.00% APY on your first $1,000!
Balances of $1,000.01 and above earn an APY of 0.10%. Fees could reduce earnings. Federally insured by the NCUA.
Balance: $0.01 and over
Balance: Up to $1000.00
Earn up to 10% APY* on the first $1000 in our new High Yield Savings account! See all the details.
Qualifications Required: Direct deposit of net pay is required into members Service CU account.; Warriors deployed in combat zones may deposit up to $10,000 into a Service CU Deployed Warrior Savings Account which earns 10% APY (Annual Percentage Yield) up to $10,000.00. If actual daily balance exceeds $10,000, the remaining balance will receive variable APY of 10%-0.10%. Rates are variable and subject to change; accurate as of 09/08/2026. Service member must be serving in a combat zone as defined by Service CU; orders of deployment to a combat zone must be provided. Direct deposit of net pay is required into members Service CU account. No minimum balance is required to open the Deployed Warrior Savings Account; $5 deposit is required to open a Primary Savings Account. Monthly deposits into a Deployed Warriors Savings Account cannot exceed the amount of your monthly net military pay; however, deposits into the Deployed Warrior Savings Account may be direct deposit, an allotment, or a transfer of funds from a Service CU account. Withdrawals are not permitted from a Deployed Warrior Savings Account. If a withdrawal is made from the Deployed Warrior Savings Account before the redeployment date plus 120 days, the funds in the Deployed Warrior Savings Account will be transferred to the Primary Savings Account, and the Deployed Warrior Savings Account will be closed. The Deployed Warrior Savings Account will stop accruing 10% APY at the end of the month of return date per deployment orders plus 120 days. eCommunications is required.
Qualifications Required: current, valid military ID; accept electronic documents; receive e-statements; make at least one deposit monthly; 8.00% only applies on the first $500 deposited as long as member meets all requirements. Requirements include: a current, valid military ID, accept electronic documents, receive e-statements and make at least one deposit monthly. Dividends compounded and credited quarterly. If the monthly deposit is not posted, the rate will revert to the current share savings rate for that month. This special rate will remain in effect as long as all requirements are met for the first $500. Balances over $500 will earn the regular share savings rate.
APY=Annual Percentage Yield. 8.00% APY will be paid on the balance in your account up to the first $500.00. A dividend rate of 0.05% will be paid on the remaining balance in your account that exceeds $500.00 with a $500.01 balance earning a 8.00% APY and a $1,000.00 balance earning a 4.193% APY, as examples. Requires a $5.00 minimum balance to open the account. Fees could reduce earnings. All new Jeanne D'Arc Credit Union members will have one of their consumer savings accounts (except retirement statement savings) automatically designated as their primary savings account to receive these special terms. Additional savings accounts established under the same member name, and related tax identification number, are not eligible for these special terms. The M3TM Money Club Savings is available to children Newborn to age 12. Dividend rates are effective as of November 1, 2024. All rates are subject to change, after account opening, without notice.
APY=Annual Percentage Yield. 8.00% APY will be paid on the balance in your account up to the first $500.00. A dividend rate of 0.05% will be paid on the remaining balance in your account that exceeds $500.00 with a $500.01 balance earning a 8.00% APY and a $1,000.00 balance earning a 4.193% APY, as examples. Requires a $5.00 minimum balance to open the account. Fees could reduce earnings. All new Jeanne D'Arc Credit Union members will have one of their consumer savings accounts (except retirement statement savings) automatically designated as their primary savings account to receive these special terms. Additional savings accounts established under the same member name, and related tax identification number, are not eligible for these special terms. The M3TM Money Club Savings is available to children Newborn to age 12. Dividend rates are effective as of November 1, 2024. All rates are subject to change, after account opening, without notice.
No additional details available.
See full reward savings details and account requirements here .
Balance: $25.00 - $2,500.00
Min. Balance to earn APY: $.01 to earn dividends
YouthSaver rate is 7.07% APY when paired with an adult with Local Advantage Plus Checking cosign.Youthsaver rate applies to first $500; default to Prime Share savings rate on those monies above $500. Available up to 18 years of age. 7.07% APY Rate is effective for first $500 when paired with an adult cosigner w/Local Advantage Plus Checking. Additional monies above $500 will earn the lower YouthSaver rate
Balance: $0 - $1,000.00
Account balances up to $1,000
Balance: $0.01 - $1000.00
Balance: first $500; Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Available for ages 0-19 years with a parent/guardian joint signer. Regular savings rate applies to balances above $500. Dividend rate of 0.25%, APY of 0.25%. Dividend Period for balances above $500 is quarterly and dividends compound quarterly. No monthly fee or minimum balance. APY is accurate as of June 22, 2023.
Balance: $0.00 - $1,000.00; The Enhanced Health Savings Account (HSA) is a variable rate account, and the dividend rates and APYs may change after the account is opened. Fees may reduce earnings. All members are required to open and maintain a TrueSaver account in order to have any other WPCU product or service.
Balance: $0.01 to $1,000.00
Balance: $0.00 - $2,000.00
No additional details available.
Balances over $2,500 will earn .01% APY on remaining balance. One Stash Savings account per member. APY is accurate as of October 18, 2023.
Balance: $25 - $2,500; ***
Balance: $0.00 - $25,000.00
Balance: $0 - $1,000
Base APY on balance of $700+; Earn 6.00% APY for your first $700. That's 16x the national average**
Balance: up to $2000
Balance: $100
Age: 0-21; Balances above $2,500.00 are paid the standard share savings rate.
No additional details available.
Get a $25 bonus when your account balance reaches $1,000 * .
Funds withdrawn after 30 days will incur a $5 fee. Transfers only from Summertime Savings. Certificated and classified school employees of our Board approved SEGs are eligible for our Summertime Savings Account bonus rate.
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Age: 0-12; Balance: balances up to $3,000
Age: 13-17; Balance: balances up to $3,000
Balance: $0.00 - $750.00
Promoted interest rate paid on entire balance when maintained at $5.01 and above. No interest paid on balances $5.00 and below. [1] Annual Percentage Yield (APY) as of 9/01/2026 if balance is above $5; subject to change. Applicable Share Certificate dividends exclude HSA and IRA. [2] Access via debit cards or checks (paper or electronic) not permitted. $5.00 monthly inactivity fee incurred if no additional activity across the individual's membership within previous 12 months. Consumer accounts only; business accounts not eligible. [3]
Balance: $0.01 - $1,000.00; APY= Annual Percentage Yield. Rate may change after an account is opened. Must be 17 years old or younger to open with a parent or legal guardian. The account balance will automatically be transferred to a Primary Savings Account during the calendar quarter following their 18th birthday. Last Dividend Declaration Date for Youth Savings: June 23, 2026.
Balance: first $2500; Dividends Compounded & Credited: Monthly; Dividend Period: Monthly
Published APY range: 5.88% to 5.99%. Balance: $1,000.01 - $1,044.68; APY= Annual Percentage Yield. Rate may change after an account is opened. Must be 17 years old or younger to open with a parent or legal guardian. The account balance will automatically be transferred to a Primary Savings Account during the calendar quarter following their 18th birthday. Last Dividend Declaration Date for Youth Savings: June 23, 2026.
Term: June 15, 2026 - June 15, 2027; 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.
Balance: $0-$2,000
Teen Savings Certificate minimum opening balance is $100. Additional deposits can be made up to $8,000 for the Teen Savings. 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.
Balance: $0-1,000
Interest applies to the first $500 deposited.
APY on the first $500 in the account. APY effective 4/16/2026 and subject to change. Balance: $0.00 - $500.00
Balance: $0-$1,000
No additional details available.
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.
No additional details available.
No additional details available.
Join the Herd!
Balance: Up to $1,000
Balance: $0 - $1,000; Dividends Paid: Monthly
No additional details available.
Balances above $500 earn 0.25% APY.
No additional details available.
*
Balance: $0.01 - $5,000
Balance: $0 - $15,000.00
Balance: $0 - $10,000.00
For kids 7 and under - Prizes for deposits over $10 - Annual birthday surprise
As high as
Balance: $100 - $2,500.00; Age: UP TO AGE 21
Earn 5.00% APY on all balances up to $1,000. Rates may change after the account is open. Fees incurred may reduce earnings on the account. Limit one NEXT eSavings account per social security number. You must have an open and active NEXT rewards Checking account. Rates accurate as of June 1, 2023.
Balance: Up to $1,000
Balance: $0.00 to $1,000.00
On Balances Up To $1000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; The APY for an account balance up to $500 in a First500 Account will be 5.00% APY when member has a First Entertainment Checking Account and has requested 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. First500 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.
Available to any minor with a Social Security Number. Must have a parent or legal guardian as Joint Owner. Joint Owner must be a member in good standing. Earns 5% APY on the first $500 when enrolled in Digital Banking and eStatements. 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.
Balance: $0 to $1,000.00
No additional details available.
10 times higher than our savings account
Earn 5.00% APY* on balances $0.01-$500.00 with our new First Step Savings youth account.
Qualifying balance up to $1,000.00
Balance: $0.01-$499.99
Balance: $500.00 - $999.99
Accelerate It Savings2: 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. 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.
Up to 5.00%; Dividends credited Monthly; Account transfer & withdrawal limitations apply
Balance: $0.00 - $1,000.00
For eligible accounts, you can earn 5% interest on your savings for the first $1,000 saved!
Balance: $10,000.01 - $100,000
Qualifications Required: age 19 or younger; provide a valid, government issued photo ID or the social security number for minors; parent or legal guardian must be joint on the account; 5.00% applies only on the first $500 deposited as long as the member meets all requirements. Requirements include: being age 19 or younger, you must provide a valid, government issued photo ID or the social security number for minors. For minors, a parent or legal guardian must be joint on the account. At age 20 the balance will transfer to the prime share account. Deposits over $500.00 will earn the regular share savings rate. Dividends paid quarterly. Account transfer limitations may apply. Rate may change after account opening. Minimum balance required to obtain APY.
No additional details available.
Balance: $0.01 to $2,000.00
APY = Annual Percentage Yield. Rate is accurate as of 09/01/26 . The last dividend declaration date and applies to the first $500 deposited in a qualifying Explorer Savings account. Balances over $500 earn 0.01% APY. Rates may change after the account is opened. Age Eligibility: 0-13 years. Account automatically changes to SmartPlus Savings account at age 14. Limit of one Explorer Savings account per member. Fees could reduce earnings. Offer can end at any time. Gesa will match deposits up to $25, in $5 increments, within the first year that the account is opened. If less than $5 is deposited at one time, a savings match equaling the amount deposited will be made within one business day of the account deposit. Once the $25 maximum deposit match is met, no additional savings matches will be allowed on the account. Savings Match only eligible for deposits made at a Gesa branch or through mobile deposit. Limit of one savings match of $5, per member, per day. Once per season (Fall, Winter, Spring, Summer), Explorer Savings account holders can bring in their report card and Gesa will deposit $5 for each report card shown to a teller. Report card can be in paper or electronic format. In place of report card, documentation can consist of note from parent or guardian or item of schoolwork. Material presented must be dated within the past 90 days to be considered. Super Student Incentive deposit will be made within one business day of the presentation of a report card. Super Student incentive will be capped at $20 per calendar year, per member. Members will be limited to one Super Student Match per member, per season. The incentive payments may be subject to required IRS reporting. Balance: $0.01 - $500.00
As high as 5.00% APY
Balance: $5-1,000
No additional details available.
Specifically created for our members under 21 years old. Earns 5.00% APY on balances up to $1,000!
Qualifications Required: Spend $250 per month minimum; Swipe 15 times per month with your Guardian debit card.**; Earn 5.00% APY monthly on balances up to $15,000.*** Must have Ultimate Checking and meet the monthly requirements. Dividend is earned monthly on an average daily balance of $10,000 or more if Ultimate Checking requirements are met.
Balance: $0 - $500; Compounded Quarterly
Balance: $5-$1,000
Balances up to $1,000.00; Last updated 09/22/2026
Rates are valid as of 09/21/2026. All savings rates are APY (Annual Percentage Yield).
5.00% APY on balances up to $1,000; 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; Funds insured by the NCUA
Balances $1,000.01 and over will earn a lower, standard savings dividend rate than the first $1,000 on deposit in A$pire and AngelSavers accounts. View fee schedule . All annual percentage yields (APY) are based on the assumption that the money is left on deposit during the dividend period. Dividend rates on share accounts will be declared monthly by the Board of Directors and posted on the last day of every month. All rates subject to change at any time without notice. Fees could reduce the earning of these accounts. For more information, please refer to our Account Agreements and Disclosures. View fee schedule .
Balance: $0-$500
Balance: $0-$499.99
Qualifications Required: provide and maintain a valid email address; be enrolled to receive e-statements; APY is accurate as of 09/01/26 , the last dividend declaration date. In order to earn a high dividend rate, you must meet the following requirements during the qualifying monthly period: a) provide and maintain a valid email address; and b) be enrolled to receive e-statements. If the requirements are not met during the monthly qualifying period, the "non-qualifying" 0.01% APY would apply to the entire balance. Dividends on an SmartPlus Savings Account will be compounded and credited to a member's account each month. Dividends are calculated using the daily balance method. Qualifying account balances must meet minimum requirements. Rate may change after the account is opened. The qualifying period begins with the first day of the calendar month and ends on the last day of the calendar month at 6:00 P.M. Pacific Time. No monthly fees and no minimum balance required to maintain account. Fees could reduce earnings. Limited to one SmartPlus Savings account per member. Balance: $0.01 - $500.00
Balance: $0 - $999.99
Go Savings is the best friend account to our Go Checking , but there's a reason the cool kids hang together. A 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! For example, accounts opened in April will earn the bonus dividend from the date the account is opened through April of the following year. All this plus instant access to all the other beneficial financial services we offer, for a minimum opening deposit of just $5. Best for: the busy person on the go who just wants their money to do all of the work- and that's ok. We don't blame you. 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.
Balance: $5 - $5000
Balances above $1,000 will earn our regular savings rate. No monthly service fees, ensuring that every penny saved goes toward your child's future. Convenient online and mobile banking access, allowing you and your child to monitor savings anytime, anywhere.
APY* footnote applies.
Balance: Kids First Savings Daily Average Balance $1 - $500
Balance: up to $19999
Balance: <$2,000
Balance: $0 - $499.99
No additional details available.
Balances from $1.00 to $500 earn 5.00% APY. Balances over $500 will earn the current savings APY. Available for children 16 and under. Island Federal will contribute the first dollar to open the account.
No additional details available.
Balance: $0.01 - $5,000.00
Balance: $0 - $2,500
Balance: $0-$1,000.00
Balance: Balances <= $3,000.00
Balance: $0 - $999.99
Balance: $0.00 - $500
Balance: $.01 - 1,000.00
Balance: $0-$1000
Balance: $5.00 - $999.99
Youth Savings Certificate minimum opening balance is $100. Additional deposits can be made up to $5,000 for the Youth Savings. 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.
No additional details available.
Balance: $0.00 - $2,499.99; During the first 6 months after account opening, a promotional APY of 5.00% applies to that portion of the total account balance within the first tier, up to $2,499.99. The standard tiered APYs displayed apply to the remaining portion(s) of the account balances above the first tier. Dividend rates are tiered; different portions of the total account balance earn different rates. The APY reflects a blended rate based on the portion of the total balance in each tier, and if held to maturity. Dividends accrue daily and are paid monthly. Fees could reduce earnings on the account. No penalty for withdrawal. Limited to personal accounts; one account per member. Certain conditions and restrictions may apply. Rates and tiers are subject to change without notice. Membership must be completed before account opening. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts
No additional details available.
Balance: Up to $25,000
Balance: $0 - $5,001
Rates as high as 4.40% APY
Balance: $0.01 - $2,000.00
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 September 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.
No additional details available.
Balance: $1,000,000+
Balance: $0.00 - $499.99
Balance: $0.01-$25,000; Dividends Compounded: Monthly
Balance: $100 to $10,000
No additional details available.
Enjoy no minimum balance requirement, no monthly service fees, and a low opening deposit of $100.
No additional details available.
Balance: $100,000 - $199,999.99
Balance: $0 - $1,000
Balance: $1,000,000
Balance: $15,000+
No additional details available.
Balance: For portion of account balance up to $5,000.00
Balance: $15,000.01 to $25,000.00
Published rate range: 2.50% - 4.00%.
Balance: $100,000.00 +
Balance: $0 to $2,500
Balance: $5.00 Minimum Balance; Balance: $5.00 Minimum Balance
Any amount over $500 with receive the Regular Savings Rate of .05% APY.
Balance: $100,000.00 and over
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. APY effective as of September 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.
Balance: $1,000.00 - $250,000.00
Must meet average daily balance requirements ($5 increase over previous month's balance, excluding dividends) and eStatements at a valid email address to earn qualifying rate.
Balance: Up to $5,000
Balance: $5,002 - $14,999
Balances above $10,000.01 will earn .10 APY*
Balance: $75,000 - $99,999.99
Compounding and crediting - Dividends will be compounded annually. Dividends will be credited to your account annually. Dividend period - For this account type, the dividend period is annually, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is December 31. The dividend declaration date follows the ending of a dividend period, and for the example above is January 1, of the following year. If you close your share account before dividends are paid, you will not receive the accrued dividends. Average daily balance computation method - Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is annually. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account. Par value of a share: The par value of a share in this account is $5.00. Bylaw requirements: You must complete payment of one share in your Regular Share account as a condition of admission to membership. Nature of dividends - Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. National Credit Union Share Insurance Fund - Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund.
Earn 4.00% APY* on balances up to $25,000; Earn 0.500% APY* on balances over $25,000; No minimum balance required; No monthly maintenance fees; Sync to digital wallet like Apple Pay for contactless, cashless purchases; Mobile App for Apple and Android devices - deposit checks, apply for a loan, open a new account, send money to family and friends with Zelle; Visa Debit Card with EMV chip technology; CO-OP Nationwide ATM & Shared Branch Network with nearly 30,000 surcharge free ATMs, 5,000 branches; Overdraft line-of-credit up to $20,000 available; Enroll in VISA Debit Card purchase alerts Click here
Balance: $0.01 - $25,000
No additional details available.
Balance: $0 - $250,000
Annual Percentage Yield
Balance: $10,000 and over. No account fees When you stay enrolled in eStatements. Federally insured deposits Your savings are insured up to $250,000 per person.
$50; Rates are subject to change by the Board of Directors. Any fees incurred could reduce the earnings on the account. Penalties may be imposed for early withdrawal of certificate. Rates Effective as of 01/05/2026
Balance: $0 - $250,000
High Yield Savings Account
Balance: $0.01 to $5,000.00
Ages: 17 & Younger;<br/>Liquid Savings Account<br/> Can Add Funds At Anytime<br/> Can Withdraw Funds At Anytime
Balance: $0.00 - $25,000
Balance: Up to $5,000.00
Qualifications Required: Qualifications Required; 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $100,000
Balance: Range $0.00-$20,000 (Qualified Rate)
Balance: $0 - $2,000.00
Balance: Up to $2,500
High Yield Savings Plus account is a promotional savings account offering a fixed 4.00% Annual Percentage Yield (APY) on balances of $15,000.00 or more for the first 8 months. To qualify, a minimum of $15,000.00 in new money must be deposited, whether opening a new account or converting an existing High Yield Savings account or Private Client High Yield Savings account to the High Yield Savings Plus account. New Money is defined as funds not on deposit at Elements within the 30 days prior to opening the High Yield Savings Plus account. The promotional period begins on the account opening date or, for existing accounts, on the date the required new money deposit is met. For members to receive the promotional terms on existing High Yield Savings, you must contact Elements to convert your existing account to a High Yield Savings Plus account. Rates are accurate as of September 18, 2026. The High Yield Savings Plus account is a tiered rate account in which the dividends are calculated on the entire balance in your account based on the rate for the tier corresponding to each day's daily balance. On the first business day following the last calendar day of the 8th month, the account and promotional APY will automatically convert to the then current non-promotional High Yield Savings tier structure or for Private Client, the non-promotional PC High Yield Savings account tier structure. APYs are variable and may change at any time without notice. Other qualifications may apply. Offer subject to membership approval. Elements reserves the right to modify or discontinue this offer at any time. Fees may reduce earnings. Federally insured by NCUA.
Featured rate on first $10,000.
Balance: <= $25,000
Limited Time Special Rate up to $5,000**
Rates are the same for certificates in Traditional & Roth IRAs. $5 minimum balance required on certificates. Must be a member to open an IRA account, $5 share deposit required for membership.
Balance: $0.01 - $4,999.99
Terms and Conditions apply.
Balances of $.01 to $500.00
Highest yield on balances up to $1,000. A blended APY is calculated based on balances in each earning tier. Apply Online
Balance: $0.00 - $100,000.00; Qualifications Required; 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Balance: $0.01 to $5,000.00
Balance: $0.00 - $100,000.00
Balance: $0 - $50,000
Balance: $2,000-$5,000
Earn more while you save with our High-Interest Savings account. With 4% interest on balances up to $5,000, your money grows faster while staying accessible. Simply set up a payroll deduction or direct deposit to this account, and watch your savings build with ease.
Highest yield on balances up to $1,000. A blended APY is calculated based on balances in each earning tier. Dividend rates are variable and subject to change monthly after the account is opened. Apply for Youth Savings
Balance: $25,000+; Compounding: Monthly
Balance: $2,000,000.00+
Balance: up to $25,000*
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying: $0.01 - $100,000.00; Balance: $0.01 - $100,000.00
Balance: $500,000 and over
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.
What a Credit Union Savings Account Earns
Credit unions return earnings to members rather than shareholders, and that usually shows up directly in the APY. Here is a year of interest at the current credit union average versus the top verified offer in our table.
| Balance | Earned in 1 Year at 0.25% APY Credit union average |
Earned at 10.00% APY Top offer in our table | Difference |
|---|---|---|---|
| $1,000 | $2.49 | $100.00 | $97.51 |
| $5,000 | $12.46 | $500.00 | $487.54 |
| $10,000 | $24.91 | $1,000.00 | $975.09 |
| $25,000 | $62.28 | $2,500.00 | $2,437.73 |
| $50,000 | $124.55 | $5,000.00 | $4,875.45 |
Assumes the rate holds for the full year with no withdrawals and monthly compounding. Credit unions pay dividends rather than interest — the same thing under a different name, declared periodically by the board. Rates are variable and can change.
How Credit Union Membership Actually Works
The main reason people skip credit union rates is assuming they won’t qualify. The eligibility rules are far looser than the reputation suggests.
Where You Live, Work, or Worship
Most credit unions now hold a community charter covering one or more counties. If you live, work, attend school, or worship in the area — or a family member does — you are eligible. That single rule covers the large majority of applicants.
Employer and Association Groups
Many credit unions serve employees of particular companies plus members of affiliated associations. Check the sponsor list before assuming you’re out; people are frequently eligible through a job they already hold and never realise it.
The Partner-Charity Route
Where no other path fits, many credit unions extend eligibility to anyone who joins a partner non-profit, often for a one-time donation of a few dollars. It is a legitimate and widely used route to membership.
The Share Account
Joining means opening a share account, typically $5 to $25. That deposit is your ownership stake — it stays yours, earns dividends, and is returned if you close the account. It is a deposit, not a fee.
Nearly all credit unions keep your membership even if you move away or change jobs. Joining one with strong rates today preserves access to every product they offer later.
Is Your Money as Safe as It Is at a Bank?
Yes — the protection is equivalent, it simply carries a different name. This is the second most common hesitation after membership, and it rests on a misunderstanding.
| Credit Union | Bank | |
|---|---|---|
| Insurer | NCUA (National Credit Union Administration) | FDIC |
| Backed By | ✓ Full faith and credit of the U.S. government | ✓ Full faith and credit of the U.S. government |
| Coverage Limit | $250,000 per depositor, per institution, per ownership category | $250,000 per depositor, per institution, per ownership category |
| Savings Accounts Covered | ✓ Yes | ✓ Yes |
| Who Owns It | Its members — you | Shareholders |
| Where Profits Go | Back to members as better rates and lower fees | To shareholders as dividends |
| What Interest Is Called | Dividends — same thing, different terminology | Interest |
Limits are per depositor, per insured institution, per ownership category — individual and joint accounts count separately, so a couple can hold more than the single-owner limit at one institution. Verify any credit union at ncua.gov before depositing.
About Our Credit Union Savings Rate Database
This page tracks savings accounts offered by credit unions specifically, drawn from the thousands of verified rates in our database. Every APY is sourced directly from the credit union’s own website and re-verified regularly, and each listing carries our Health Grade so the rate can be weighed against financial stability.
The highest verified APY in our table right now is 10.00% APY from Cyprus Federal Credit Union. APYs on these accounts are variable — the institution can change the rate at any time without notice, so today’s leader may not lead next quarter.
Credit Union Savings Calculator
See what your balance would earn at a credit union savings APY. We’ve prefilled the top verified rate — click any rate on the right to compare.
Assumes the APY holds for the entire period and dividends compound monthly with no withdrawals. Credit union dividend rates are variable and declared periodically — treat multi-year figures as illustrative. Some accounts require a minimum balance to earn the advertised rate, and dividends are generally taxable. Not a rate guarantee or an offer.
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?
- SPECTRA Credit Union
Brilliant Kids Savings — 10.38% APY - Cyprus Federal Credit Union
Dream Round Up Savings — 10.00% APY - Alliance Credit Union Fenton, MO
Star Student Savings Club — 10.00% APY - Radiant Credit Union
Even-Up Share — 10.00% APY - Avestar Credit Union
Round Up Savings Account — 10.00% APY
More Savings Rate Options
