Best Credit Union Savings Account Rates — June 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 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 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, 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. Savings rates as of June 11, 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: June 11, 2026
Compare the Best Credit Union Savings Rates Nationwide
Qualifying balance up to $1,000.00
No additional details available.
No additional details available.
Dividends compounded and paid monthly. Start saving money right away because your balance grows in relation to your debit card usage. Anyone with a checking account is eligible.
No additional details available.
Balance: $5 - $1,000
Qualifying balance up to $5,000.00
No additional details available.
No additional details available.
No additional details available.
Qualifying balance up to $1,000.00
See full reward savings details and account requirements here. Share Savings Accounts are variable rate accounts which means the rate may change after the account is opened. Please contact the credit union for further information.
Account must be used within 5 years. Maximum balance limit of $100,000.00. Program may be discontinued at any time. Account is subject to a complete application and approval by the Ohio's Treasurer's Office. This is a variable rate account; the rate may change after account opening and program terms subject to change without notice. Limit of one account per social security number and must be individually owned.
Qualifying balance up to $1000.00
7.00% on first $500
Qualifying balance up to $2,500.00
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
No additional details available.
$500 - $10,000
KEMBA Advantage APY
No additional details available.
No additional details available.
$5 to $500
No additional details available.
No additional details available.
6.00% on first $2500
Dividends paid quarterly and at account maturity on June 15, 2026. 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, Summer Savings Club 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, 2025. 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.
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. 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.
No additional details available.
Funds withdrawn after 30 days will incur a $5 fee. Transfers only from Summertime Savings.
No additional details available.
No additional details available.
Qualifying balance up to $2000.00
No additional details available.
No additional details available.
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.
Additional deposits can be made up to $8,000. The minimum additional deposit is $100. Matures on the teen's 18th birthday. Any withdrawal prior to maturity will result in a penalty of all dividends earned.
No additional details available.
APY on balances up to $500. APY on balances $500.01-$2,500: 5.25%-3.45%. APY on balances $2,500.01-$5,000: 3.45%-2.23%. APY on balances $5,000.01-$25,000: 2.23%-0.85%. APY on balances of more than $25,000.01: 0.85%-0.15%. First-year earnings are based on a 12-month average. APY effective 04/16/2026 and subject to change.
$0-$1,000
High interest-bearing account; Qualifying balance up to $500.00
(ages 0-17 or older with current Student ID)
$0; Qualifying balance up to $1,000.00
No additional details available.
No additional details available.
No additional details available.
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.
No additional details available.
No additional details available.
No additional details available.
Qualifying balance up to $5,000.00
No additional details available.
No additional details available.
Earn 5% APY on the first $5,000. Qualifying balance up to $5,000.00
No additional details available.
No additional details available.
Earn 5.00% APY more on the first $750
No additional details available.
No additional details available.
Qualifying balance up to $2,000.00
Qualifications Required: First Entertainment Checking Account; eStatements only; active online Bill Pay service or Direct Deposit; 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.
$0.00 - $4,999.99
No additional details available.
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
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.
Bonus dividend rate is paid on the first $2,500 balance in the account for the first 12 months. Non-Bonus Rate is 0.05% for balances of $2500.01 and greater.
Anticipated Bonus Dividend Rate for balances of $0.01 to $2,500: 4.89%. Non-Bonus Rate is 0.05% with anticipated APY of 0.05% for balances up to $24,999.99. Offer subject to change without notice.
Qualifying balance up to $1,000.00
No additional details available.
Qualifying balance up to $1,000.00
Qualifying balance up to $499.99
No additional details available.
No additional details available.
Qualifying balance up to $500.00
Qualifying balance up to $500.00
We'll round up your debit card purchases to the nearest dollar and transfer the difference. Qualifying balance up to $1,000.00
On the first $0 - $500 balance. Learn More
On the first $0 - $500. Rate based on terms. See Notes and Fees for details.
No additional details available.
Qualifying balance up to $5000
No additional details available.
No additional details available.
No additional details available.
Qualifying balance up to $1,000.00
No additional details available.
APY is accurate as of 6/3/2026 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.
On your first qualified $500 in balances.
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00. Balances above $1,000 will earn our regular savings rate.
No additional details available.
Promotional rate
UP TO AGE 21
Qualifying balance up to $1,000.00
$0.01-$499.99
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 $1,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00; $0 min opening deposit. No monthly fees. High yield checking required.
No additional details available.
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.
Additional deposits can be made up to $5,000. The minimum additional deposit is $100. 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.
No additional details available.
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.
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.
No additional details available.
No additional details available.
No additional details available.
Qualifying balance up to $2,500.00
No additional details available.
No additional details available.
As high as
No additional details available.
Earn 4.00% APY* on balances up to $25,000
balances up to $14,999.99
As Low As; Use your money on deposit as security for a great rate
No additional details available.
No additional details available.
No additional details available.
Qualifying balance up to $2,000.00
No additional details available.
Now offering a 4.0% APY to Texas businesses.
Qualifying balance up to $5,000.00
Tier 1 - $0 to $25,000 (4.00% APY); Tier 2 - $25,000.01 to $50,000 (0.50% APY); Tier 3 - $50,000.01 to $100,000 (0.75% APY); Tier 4 - $100,000.01 to $250,000 (1.00% APY) and; Tier 5 - $250,000.01+ (1.50% APY). HYSAs are blended-rate accounts, with only the amounts falling within each tier being eligible for applicable APY. Resulting APY ranges for each tier are: Tier 1 - 4.00%; Tier 2: 2.25% to 3.99%; Tier 3: 1.50% to 2.24%; Tier 4 - 1.20% to 1.49% and; Tier 5: Up to 1.49%. Fees may reduce earnings. Rates may change after an account has been opened. Limit of one HYSA per primary member's Social Security Number.
Limited Time Special Rate up to $5,000**
Limited time offer.
No additional details available.
Intro Rate
No additional details available.
No additional details available.
Blended APY range calculated on an assumed sample deposit of $10,000.00 for Youth Savings
No additional details available.
No additional details available.
$50 - $500
No additional details available.
No additional details available.
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
ages 0-17 earn
Dividends will be compounded annually. Dividends will be credited to your account annually.
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 minimum balance requirement, no monthly service fees.
No additional details available.
up to $10,000
No additional details available.
No additional details available.
Limited Time Offer
No additional details available.
As high as; **
Qualifying balance up to $3,000.00
No additional details available.
Your Savings Can Feed A Child This Summer
$250 Minimum / 12 Months
No additional details available.
Qualifying balance up to $10,000.00
$50,000.01
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.
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.
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.
$250 Minimum / 12 Months
APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
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?
- ORSA Credit Union
High Yield Savings — 10.00% APY - Radiant Credit Union
Even-Up Share* — 10.00% APY - Cyprus Federal Credit Union
Dream Round Up Savings — 10.00% APY - Avestar Credit Union
Round Up Savings Account — 10.00% APY - Service Federal Credit Union
Deployed Warrior Savings — 10.00% APY
More Savings Rate Options
