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 Century Federal Credit UnionCentury Federal Credit Union28251 Lorain Rd, North Olmsted, OH 44070A+5.0 ★Texas Ratio: 4.21% offering Savings Jar at 10.47% 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 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. Savings rates as of April 6, 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: April 6, 2026
Compare the Best Credit Union Savings Rates Nationwide
Maximum Balance: $1,200
Qualifying balance up to $0.01
Qualifying balance up to $1,000.00
No additional details available.
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Qualifying balance up to $5,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Balance: $5 - $1,000
No additional details available.
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Qualifying balance up to $500.00
No additional details available.
Qualifying balance up to $500
Qualifying balance up to $500.00
Qualifying balance up to $2,500.00
Qualifying balance up to $1000.00
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.
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Everyday APY
KEMBA Advantage APY
No additional details available.
Qualifying balance up to $10,000.00
Qualifications Required: account must have e-statements; Qualifying balance up to $1,000.00
No additional details available.
No additional details available.
No additional details available.
Qualifying balance up to $1,000.00
No additional details available.
Qualifying balance up to $3,000.00; LIMITED-TIME SPECIAL! Get $100 when you open a Kid or Teen Connect Savings Account!â€
Qualifying balance up to $3,000.00; LIMITED-TIME SPECIAL! Get $100 when you open a Kid or Teen Connect Savings Account!â€
Certificated and classified school employees of our Board approved SEGs are eligible for our Summertime Savings Account bonus rate.
No additional details available.
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Earn a great rate, plus get $25 when balance reaches $1,000.
Qualifying balance up to $2,500.00
Qualifying balance up to $2500
No additional details available.
No additional details available.
Qualifying balance up to $2,000.00
Qualifying balance up to $500.00
Qualifying balance up to $1,000.00
about homebuyer plus
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00
Qualifying balance up to $500.00
(ages 0-17 or older with current Student ID)
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.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Qualifying balance up to $15,000.00; Link a High-Rate Checking account, meet transaction requirements, and pay $0 monthly fees.
Qualifications Required: 10 debit card purchases post and settle (excluding ATM transactions); one automatic payment or direct deposit post and settle; Be enrolled in and agree to receive E-Statements; Qualifying balance up to $10,000
Prizes for deposits over $10; Annual birthday surprise
Qualifying balance up to $10,000.00
Qualifying balance up to $5,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
No additional details available.
Earn 5% APY (annual percentage yield) on your first $500.
One Per Member (Primary RS Savings only) for 5%
Qualifying balance up to $500.00
Qualifying balance up to $1,000.00
Additional entry in the Your Refund, Plus Some drawing for $1,000.
No additional details available.
No additional details available.
Qualifying balance up to $500.00; Learn More
Qualifying balance up to $500.00
Qualifying balance up to $1,000.00
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
No additional details available.
UP TO AGE 21
Qualifying balance up to $500.00
Qualifying balance up to $500.00
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 $500.00
Qualifications Required: First Entertainment Checking Account; eStatements only; active online Bill Pay service or Direct Deposit; Qualifying balance up to $500.00
Qualifying balance up to $500.00
Qualifying balance up to $5000
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.
Qualifying balance up to $1,000.00
No additional details available.
No additional details available.
Qualifications Required; Qualifying balance up to $2,500.00
No additional details available.
Qualifying balance up to $1,000.00
No additional details available.
No additional details available.
Qualifying balance up to $500.00
No additional details available.
Qualifications Required: At least 10 debit card purchases; Be enrolled in and agree to receive e-Statements; At least one direct deposit, ACH credit, or ACH payment transaction; Qualifying balance up to $50,000.00
Qualifying balance up to $20,000.00
Qualifying balance up to $1,000.00
As high as
Qualifying balance up to $499.99
Available for personal memberships.
No additional details available.
Qualifying balance up to $500.00
No additional details available.
Full Balance
No additional details available.
No additional details available.
Qualifying balance up to $499.99
No additional details available.
Qualifying balance up to $500.00
Qualifying balance up to $500
max $300 deposit per month
Qualifying balance up to $2,500.00
No additional details available.
No additional details available.
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 $5,000.00
$0-$5,000
No additional details available.
No additional details available.
Qualifying balance up to $2,000.00
Balances $0.00 - $1,000.00
Qualifying balance up to $1000.00
No additional details available.
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.
Qualifying balance up to $500.00; No monthly fees. High yield checking required.
No additional details available.
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about homebuyer plus
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No additional details available.
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Qualifying balance up to $5,000.00
No additional details available.
No additional details available.
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No additional details available.
Qualifying balance up to $2,500.00
No additional details available.
No additional details available.
No additional details available.
HIGH YIELD SAVINGS ACCOUNT
No additional details available.
As Low As; Use your money on deposit as security for a great rate
No additional details available.
when you add Direct Deposit to a new or existing Justice Federal Checking Account.
Qualifying balance up to $25,000.00
No additional details available.
Qualifying balance up to $2,000.00
No additional details available.
Earns tiered interest rates based on balance amounts; No minimum deposit; Earn 4.00% APY on balances $1,000,000.00+
Boost Your Rate 1.00% with Round-Up Checking
No additional details available.
No additional details available.
No additional details available.
$250,000 - $499,999
Qualifying balance up to $500.00
No additional details available.
No additional details available.
Qualifying balance up to $1,000.00
No additional details available.
Qualifying balance up to $5,000.00
No additional details available.
No additional details available.
Qualifying balance up to $10,000
No additional details available.
4th Quarter 2025; Qualifying balance up to $20,000.00
Qualifying balance up to $25,000
Qualifying balance up to $25,000.00
No additional details available.
No additional details available.
Terms and Conditions apply.
Qualifying balance up to $500.00
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 - Century Federal Credit Union
Savings Jar — 10.47% APY - Neighbors Credit Union
SMART Savings — 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
