Best Credit Union Savings Account Rates — October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
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Credit union savings account rates range from 4.00% to 10.00% APY, verified by MonitorBankRates as of October 13, 2026. 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: 1.07% offering Rising Tide Youth Share at 10.00% APY, and Avestar Credit UnionAvestar Credit Union125 W Madison St, Waterloo, WI 53594A5.0 ★Texas Ratio: 8.52% offering Round Up Savings Account at 10.00% APY, and Bayer Heritage Federal Credit UnionBayer Heritage Federal Credit Union788 N State Route 2, New Martinsville, WV 26155A5.0 ★Texas Ratio: 11.93% offering High Yield Savings at 10.00% APY, and Bayer Heritage Federal Credit UnionBayer Heritage Federal Credit Union788 N State Route 2, New Martinsville, WV 26155A5.0 ★Texas Ratio: 11.93% offering High Yield Savings Account at 10.00% APY. Savings rates as of October 13, 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: October 13, 2026
Compare the Best Credit Union Savings Rates
Rate = 0.050% | APY* 0.05% for balances $1,000.01 & over.
Balance: $0.01 to $5,000
Balance: Up to $1000.00
Qualifying balance up to $1,000.00 (first $1000); new High Yield Savings account; Share (Savings) Accounts section
Balance: $1 - $1,000; Qualifying balance up to $1,000.00
Qualifications Required: Direct deposit of net pay into Service CU account; serving in a combat zone as defined by Service CU; orders of deployment to a combat zone must be provided; eCommunications is required; Tier: Tier 1. Balance: $0.00. *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.
Balances of $1,000.01 and above earn an APY of 0.10%.
Ages: 0-12; Balance: $0.00 - $500.00; Rate of 9.57% gives 10.00% APY on the first $500; funds above $500 earn the regular savings rate; $1 for each A or B on semester report card; maximum payout $25/year per youth account; open at any branch
Super-high dividends paid on balances up to $1,000. Cash rewards for deposits $1-$10 awarded at different transaction intervals. Financial incentives for good grades Up to $20 each year. High dividends are paid out quarterly. Cash is awarded and electronically deposited into your child's account after their 6th, 12th, 18th and 24th in-person deposits of $5 or more. Your child can receive $1 for every 'A' or equivalent earned, up to $5 per quarter.
Earn an impressive 8.00% APY* on your first $1,000 and 1.00% APY* on balances over $1,000, giving your savings a powerful boost from day one.
Primary savings account; Qualifying balance up to $500.00; 0.05% dividend rate on balance above $500.00; Dividend rates effective as of November 1, 2024
Primary savings account; Qualifying balance up to $500.00; 0.05% dividend rate on balance above $500.00; Dividend rates effective as of November 1, 2024
Qualifying balance up to $500
Balance: $25.00 - $2,500.00; Dividend Paid: Quarterly
Balance: $.01 to earn dividends
Balance: $0.01 to $1,000.00
- Oct 13, 20267.00%▲ from 1.25%
- Sep 18, 20261.25%first recorded
Balance: $0 - $1,000.00
Balance: $0.01 - $1000.00
Earns 7.00% APY on balances up to $500; Regular savings rate applies to balances above $500; Youth account for ages 0-19 with parent/guardian joint signer; Dividends compounded and credited quarterly
Ages: 0-19; Parent/guardian joint signer required; Balance: $0.00 - $500.00 earns 7.00% APY; Balance above $500.00 earns 0.25% APY (dividend rate 0.25%); No monthly fee or minimum balance
Account balances up to $1,000; Balance: $0.00 - $1,000
Balance: $0.00 - $2,000.00
Youth up to age 261/2 earn a preferred rate on balances up to $1,000.
APY (as high as); Student defined as child 18 years or younger; only one student share per qualifying SSN
Balance: Up to $10,000.00; Promotional rate on first $10,000.00; balances above $10,000.00 earn the regular Money Market rate; no minimum balance required to earn dividends; dividends paid monthly
Balance: $5 - $500
Certificated and classified school employees of our Board approved SEGs are eligible for our Summertime Savings Account bonus rate.
No additional details available.
Balance: $25 - $2,500; Summertime Savings***; $2,500 is the maximum balance for this rate.****
Balance: $0.01 to $700.00; Earn 6.00% APY on the first $700 deposited; Limit one Six7 savings account per person; Online or mobile eStatement enrollment avoids paper statement fee
Balance: $0.01 - $1,000
Ages: 0-12; Balance: up to $3,000
Balance: $0 - $1,000
Ages: 13-17; Balance: up to $3,000
Balance: up to $2000
Get a $25 bonus when your account balance reaches $1,000
Balance: up to $2,500; balances over $2,500 earn 0.01% APY on remaining balance; One Stash Savings account per member; Dividends compounded and credited monthly
Balance: $0.00 - $2,500.00; Balance over $2,500.00 earns 0.01% APY; One Stash Savings account per member; Stash (Emergency) Savings; Rate and minimum opening deposit as stated on page
High-Yield Youth Savings account is only for members from ages 0-21. No minimum balance. Balances above $2,500.00 are paid the standard share savings rate.
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. $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.
Balance: $0.00 - $25,000.00; Qualifying balance up to $25,000.00
Qualifying balance up to $750.00
Club Accounts
Balance: $0.01 - $1,000.00; Must be 17 years old or younger to open with a parent or legal guardian; Rate may change after account is opened
Published APY range: 5.88% to 5.99%. Balance: $1,000.01 - $1,044.68; Must be 17 years old or younger to open with a parent or legal guardian; Rate may change after account is opened
Term: June 15, 2026 - June 15, 2027; One great rate, all Chaffey Members. Originally designed to help educators during the summer months when they expect less income, the Chaffey Summer Savings Club is available to all Chaffey FCU members ! Deposit $50 - $2,000 each month via direct deposit or payroll deduction and earn 5.80% APY* (5.678% APR)* for the entire program year. 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 r
Balance: $0-$2,000
Balance: $100.00 and over; Additional deposits up to $8,000; Minimum additional deposit $100; Matures on teen's 18th birthday; Withdrawal before maturity incurs penalty of all dividends earned
Balance: $0-1,000
Ages: under 12; Balance: $0.00 - $500.00; First $500 deposited earns 5.25% interest
Balance: $0.00 - $500.00; No minimum balance or deposit necessary; Only one account per primary membership; Get a 0.25% APY boost when paired with any OCCU checking account
Balance: $0-$1,000; Credited and compounded quarterly
No additional details available.
ages 0-17 or older with current Student ID
Balance: $5 - $1,000; Available to members under age 21; Regular Share Savings rate on balances above $1,000; converts to Regular Share Savings at age 21
Balance: $0 - $1,000; Qualifying balance up to $1,000.00; Dividends Paid: Monthly
No additional details available.
No additional details available.
Earn up to 5.12 % APY*
Rates effective as of 10/01/2026
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.
- Oct 4, 20265.10%▲ from 0.23%
- Sep 14, 20260.23%first recorded
Qualifying balance up to $500.00; Special interest rate of 5.10% APY up to the first $500 in the savings account; balances above $500 paid at current rate
No additional details available.
Balance: $0.01 - $5,000
on the first $1,000 on deposit
Balance: $0 - $15,000.00; Qualifications, limits, and other requirements apply to the Heroes Savings account; Rates effective July 1, 2025
Qualifying balance up to $10,000.00
Debit Card: Yes; For kids 7 and under; Prizes for deposits over $10; Annual birthday surprise
No additional details available.
Featured rate in Alltru Savings Accounts section on Money Market page
Balance: $0 - $499.99
Ages: 0-16; Balance: $1.00 - $500.00; Balances over $500 earn the current savings APY; blended dividend rate limited to one account per unique minor/joint ownership; Variable rate account
Balances between $5,000.01-$10,000 will earn the lower dividend rate of 2.25% APY. Balances $10,000.01+ will earn the dividend rate of 0.10% APY. No monthly fee
Variable-tiered rate. Balances between $5,000.01-$10,000 will earn the lower dividend rate of 2.25% APY. Balances $10,000.01+ will earn the dividend rate of 0.10% APY. Fees may reduce earnings. $5.00 monthly service fee if the balance falls below $100.00. No fee for Custodian Accounts under age 18. One Harvest Savings account per member.
Tiered-based savings account. 5.00% APY will be paid on balances up to $5,000. Balances between $5,000.01-$10,000 will earn the lower dividend rate of APY. Balances $10,000.01+ will earn the dividend rate of APY. $5.00 monthly service fee if the balance falls below $100.00. No fee for Custodian Accounts under age 18. One Harvest Savings account per member.
Maximum monthly deposit of $100; restricted to primary members under age 18
No additional details available.
Balance: $0-$500; Compounds monthly; Maximum of one SavingsPlus account per membership share; variable rate account
Interest paid on up to $2,500; earned via debit card round-ups; 10 times the interest rate of a regular savings account
Balance: Balances $1,000 and under; Primary account holder must be 17 years of age or younger; rate applies to balances up to $1,000, amounts over $1,000 earn the current Share Savings rate
Balance: $0.01-$499.99; Split rate account
Balance: $0-500
Balance: Balances <= $3,000.00
Rates as high as; Savings
- Oct 5, 20265.00%▲ from 4.40%
- Sep 14, 20264.40%first recorded
Balance: $0.01 - $5,000.00; One Thrive Savings account per member
Balance: 0-$500
Balance: $0.01 - $1,000.00
Balance: $100 - $2,500.00; Up to age 21
Balance: $0.00 to $1,000.00; Dividends declared, paid and compounded monthly; Tiered rate on average daily balance of $0.01 to $1,000.00
Up to 5.00% APY; Dividends credited Monthly
- Sep 21, 20265.00%▲ from 0.05%
- Sep 14, 20260.05%first recorded
Balance: $0-$1,000.00; Blended APY; Limit one Youth Savings account per member
Balance: Up to and including the first $2,000.00
Balance: $0.01 to $1,000.00
Balance: $0 - $500; Compounded Quarterly
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balances over $1,000.00 will receive our normal share rate, currently 0.05% variable APY subject to change monthly. Upon turning 18, the LevelUp Savings account will automatically convert to a Club Account and receive the then current regular club rate. Product exclusively for members under 18 years old. Balance: $0.01 - $1,000.00
Balance: $500.00 - $999.99; Limit 1 per membership; checking with a debit card required to open account; not eligible for combination with business or youth savings accounts
Balance: Balances up to $1,000.00; Premium rate of APY is applied to the first $1,000 in the Emergency Savings account. Balances above $1,000 earn .
Savings Rates; savings rates are APY; rates valid as of 10/13/2026
Balance: $0.01 - $500; Age Eligibility: 0-13 years. Account automatically changes to SmartPlus Savings account at age 14. 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
Balance: $0.00 - $500
On Balances Up To $1000.00
Qualifications Required: provide and maintain a valid email address; be enrolled to receive e-statements; Qualifying balance up to $500.00; 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.
Balance: $0-$499.99
Balance: $0.00 - $500.00
Youth Share Account for members under 21; qualifying balance up to $1,000.00
Open a savings to start your child's or grandchild's bright future. We'll give you $10 to get started! An extra birthday gift on top of their birthday deposits - When they deposit $25 or more within 30 days of their birthday, we'll deposit $10 in their savings. Access complementary products like Greenlight and our exclusive 5.00% APY CD! No monthly or maintenance charges. Online banking with mobile check deposit, Zelle, bill pay and more.
Balance: $0.01 to $2,000.00
Balance: $0.00 - $1,000.00; Must be an active Meijer Team Member; Eligible for overdraft protection; Eligible for debit card round-up; No monthly service fees
Balance: $1.00 - $2,500.00
Balance: $0 - $2,500
Balance: $1.00 - $2,500.00
Balance: $5-1,000; Minimum Required to Earn APY: $5
Special rate applies only on the first $500 deposited as long as member meets all requirements. Requirements: age 19 or younger, valid government issued photo ID or social security number for minors, parent or legal guardian joint on account. At age 20 balance transfers to prime share account. Deposits over $500.00 earn the regular share savings rate.
Balance: up to $19999
Balance: $0-$500.00; Qualifying balance up to $500.00
Balance: $0.00 - $1,000.00; Tier 1
Savings Accounts
Balance: $0 - $1000
- Oct 10, 20265.00%▲ from 0.90%
- Sep 14, 20260.90%first recorded
Qualifications Required: 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.
Qualifications Required: Digital Banking and eStatements; First500 Youth Savings Accounts are 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. 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. Call us for current rates, or visit firstent.org/rates . Earned dividends are reported as income under the minor's name and Social Security Number. Transactions can only be performed by the account custodian. Custodian can close the account anytime, as long as it is in the best interest of the minor. Due to the nature of custodial accounts, they cannot be opened online at this time. For assistance, please give us a call at 888.800.3328 or schedule an appointment to meet with one of our branch staff. Balance: up to $500.00
Dividends on the first $500: 4.89%/5.00% APY*; Dividends on $501.01 and above: .00%/.00% APY*; One Per Member (Primary SD Checking only); Personal Checking Accounts receive dividends as shown.; Business Checking Accounts do not receive any dividends.
Balance: $0.00 - $1,000.00
Balance: $0 to $1,000.00
Dividends on the first $500: 4.89% / 5.00% APY*; Dividends on $500.01 and above: .15% / .15% APY*; One Per Member (Primary RS Savings only) for 5%
Earn 5% on the first $500! (One per member, on the primary share-savings account only, annual percentage yield). Standard dividends apply to balances exceeding $500, or for secondary or auxiliary savings accounts.
Max. Balance: up to $500.00*
Balance: $0.00 - $999.99; Minimum Opening Balance:; Minimum Required Balance:
Balance: $0 - $5,000; Membership required; $5 minimum to open a membership
Balance: $5 - $5000; Qualifying balance up to $5,000.00; Balances exceeding $5,000 earn 0.100% APY
Balance: $100.00 - $5,000.99 earns APY 5.00%; Balances $5,001.00 and above earn APY 0.20%; Requires open checking account under same membership number; Must be 22 or older; One per Social Security or Taxpayer Identification Number; Minimum Balance/Average Daily Balance: $5/$100
Available only with Unitus Checking; Rate effective 12/12/25; 5 deposited for each debit purchase of $5.00 and up; opt-in round-up available
Balances $1,000.01 and over earn a lower, standard savings dividend rate than the first $1,000 on deposit
Balance: $0 - $999.99; Blended rate account, qualifying balance up to $999.99; Valid thru 10/31/2026
Balance: $0.00 - $499.99; Minimum Required Balance: $5
Balance: $1 - $500; Daily Average Balance
Age: 0-18; 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
Balance: Up to $1,000; Youth savings account for kids under 18
Bonus dividend rate for balances of $0.01 to $2,500: 4.88%; Non-Bonus Rate is 0.05% with anticipated APY of 0.05% for balances of $2500.01 and greater
Balance: <$2,000; APY applies to balances up to $1,000
Balance: up to $1,000.00; APY applies to balances up to $1,000; balances over $1,000 revert to the standard savings rate
No minimum balance requirement, no monthly service fees
- Oct 2, 20264.64%▲ from 4.24%
- Sep 15, 20264.24%first recorded
Balance: $0-$1000; Compounded Quarterly
Balance: $5.00 - $999.99
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.
No additional details available.
Balance: $100.00 and over; Additional deposits up to $5,000; Minimum additional deposit $100; Matures on child's 13th birthday; Withdrawal before maturity incurs penalty of all dividends earned
Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed
APY* applies to balances up to $25,000.
No additional details available.
- Oct 7, 20264.41%▲ from 0.10%
- Sep 18, 20260.10%▼ from 4.41%
- Sep 15, 20264.41%first recorded
Balance: $0 - $5,001; APY*: 4.40%
Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed
Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed
Range: $5.00; for members under 18; matures on child's 18th birthday to primary share/savings; Dividend Rate 4.25%, APY 4.32%
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: $0.00 - $499.99; Limit 1 per membership; checking with a debit card required to open account; not eligible for combination with business or youth savings accounts
Balance: $1,000,000+; APY*: 4.25%
Fixed rate share certificate; limited to Members buying a home and participating in SchoolsFirst FCU Home360; limit one per membership; additional deposits allowed to maximum balance of $150,000; withdrawals not used for a home purchase subject to penalty
- Sep 29, 20264.25%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Balance: $0.01-$25,000
Balance: $100 to $10,000
Deposits and withdrawals comply with Federal Regulations
- Oct 9, 20264.18%▲ from 4.05%
- Sep 14, 20264.05%first recorded
No additional details available.
$50.00 to open
- Oct 5, 20264.12%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Balance: $0-$15,000; Loyalty Rate
- Oct 9, 20264.10%▲ from 3.60%
- Sep 17, 20263.60%first recorded
Balance: $1,000,000 tier minimum
Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Dividend compounded quarterly; Effective: October 1, 2026
Dividend compounded quarterly; Effective: October 1, 2026
Dividend compounded quarterly; Effective: October 1, 2026
Balance: $0.00 - $5,000.00
Published rate range: 2.50% - 4.00%. Qualifications Required; Minimum balance $5,000; APY as high as 4.07%
Balance: $100,000.00 +
Balance: $5.00 Minimum Balance; 1
Any amount over $500 with receive the Regular Savings Rate of .05% APY.
Balance: $0 to $2,500; Qualifying balance up to $2,500.00; Only one Brighter Day Savings account allowed per member; Membership required
Balance: $5 - $500
- Sep 25, 20264.06%▲ from 0.15%
- Sep 12, 20260.15%first recorded
Required minimum share balance to earn stated APY is $100. Fees could reduce the stated APY. Early withdrawal penalty may apply to CD accounts. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union at (808) 293-9063.
Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed
Published APY range: 4.0182% - 4.0000%. Balance: $0.01 - $2,000; Compounding: Monthly; Blended APY range
- Oct 13, 20264.02%▲ from 4.02%
- Sep 18, 20264.02%▼ from 4.02%
- Sep 14, 20264.02%first recorded
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.
Qualifications Required: 4.00% APY and 3.93% dividend rate earned on ALL Kasasa Saver balances during the monthly qualification cycle if monthly Kasasa checking account qualifications are met. If not, all balances earn 0.01% APY and 0.01% dividend rate.; Balance: $0 - $50,000
Balance: $100,000 - $249,999
Balance: Up to $25,000
Balance: $25,000+; Compounding: Monthly
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 0.26% APY Credit union average |
Earned at 10.00% APY Top offer in our table | Difference |
|---|---|---|---|
| $1,000 | $2.60 | $100.00 | $97.40 |
| $5,000 | $13.01 | $500.00 | $486.99 |
| $10,000 | $26.02 | $1,000.00 | $973.98 |
| $25,000 | $65.05 | $2,500.00 | $2,434.95 |
| $50,000 | $130.10 | $5,000.00 | $4,869.90 |
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 Avestar 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?
- Panhandle Credit Union
Rising Tide Youth Share — 10.00% APY - Avestar Credit Union
Round Up Savings Account — 10.00% APY - Bayer Heritage Federal Credit Union
High Yield Savings — 10.00% APY - Neighbors Credit Union
SMART Savings — 10.00% APY - Service Federal Credit Union
Deployed Warrior Savings Account — 10.00% APY
More Savings Rate Options
