Best Credit Union Savings Account Rates — May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Finance Calculators
Top credit union savings rates currently available include ORSA Credit UnionORSA Credit Union500 S HARVEY ST, PLYMOUTH, MI 48170 1759A5.0 ★Texas Ratio: 8.20% offering High Yield Savings at 10.00% APY, and Panhandle Credit UnionPanhandle Credit Union2718 Martin Luther King Jr Blvd, Panama City, FL 32405 4408A+5.0 ★Texas Ratio: 1.21% offering Rising Tide Youth Share 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: 4.34% offering Star Student Savings Club at 10.00% APY, and Avestar Credit UnionAvestar Credit Union125 W Madison St, Waterloo, WI 53594A5.0 ★Texas Ratio: 8.55% offering Round Up Savings Account at 10.00% APY. Savings rates as of May 12, 2026 according to verified data from MonitorBankRates.
We evaluate every listed institution using proprietary Safety Grades (A+ to F), Star Ratings, and Texas Ratios — helping you find credit unions that offer both competitive rates and financial stability.
APYs reflect actual verified offers. Rates subject to change. Last Updated: May 12, 2026
Compare the Best Credit Union Savings Rates Nationwide
Qualifying balance up to $1,000.00
Balance: $5 - $1,000
Kid's earn 10% APY on the first $500 they save!
No additional details available.
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Qualifying balance up to $5,000.00
Qualifying balance up to $1,000.00
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Qualifying balance up to $1,000.00
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Qualifying balance up to $500.00
Qualifying balance up to $500
Qualifying balance up to $2,500.00
Qualifying balance up to $1,000.00
Qualifying balance up to $1000.00
Maximum contribution of $2,000 per month from a qualified source, such as payroll from LAUSD or LACCD
$500 - $10,000
KEMBA Advantage APY
about homebuyer plus
No additional details available.
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Qualifying balance up to $10,000.00
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Annual Percentage Yield (APY) as of 11/01/2025 if balance is above $5; subject to change. Promoted interest rate paid on entire balance when maintained at $5.01 and above. No interest paid on balances $5.00 and below. [2] Applicable Share Certificate dividends exclude HSA and IRA. [3] 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.
No additional details available.
Certificated and classified school employees of our Board approved SEGs are eligible for our Summertime Savings Account bonus rate.
Qualifying balance up to $1,000.00
Qualifying balance up to $750.00
Qualifying balance up to $2000.00
Qualifying balance up to $20,000.00
Qualifying balance up to $2500
Qualifications Required: at least one deposit must post and clear; the total of all deposits must be less than $200.00; Qualifying balance up to $2,500.00
No additional details available.
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plus get $25 when balance reaches $1,000
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Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00
Qualifying balance up to $1,000.00
about homebuyer plus
Qualifying balance up to $500.00
(ages 0-17 or older with current Student ID)
No additional details available.
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00
No additional details available.
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Qualifying balance up to $500.00
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Qualifying balance up to $5,000.00
Qualifying balance up to $15,000.00
Qualifying balance up to $10,000.00
Qualifying balance up to $5,000.00
No additional details available.
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max $300 deposit per month
No additional details available.
Qualifying balance up to $2,500.00
Qualifying balance up to $499.99
No additional details available.
Accounts insured for up to $250,000 by the NCUA.
Qualifying balance up to $5000
No additional details available.
No additional details available.
Qualifying balance up to $500.00
Qualifying balance up to $2,500.00
No additional details available.
Qualifying balance up to $500
Qualifying balance up to $750
Qualifying balance up to $500.00
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
Qualifying balance up to $500.00
Qualifying balance up to $1,000.00
No additional details available.
No additional details available.
Qualifying balance up to $15,000.00
Qualifying balance up to $1,000.00
1% Unlimited Cash Back; 1.00% APY on Checking Balance; No Minimum Balance; No Monthly Relationship Fee
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $5,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00; Learn More
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00
Qualifying balance up to $1,000.00
No additional details available.
Qualifying balance up to $500.00
Qualifying balance up to $499.99
No additional details available.
Qualifying balance up to $500.00
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Qualifying balance up to $2,000.00
Qualifying balance up to $5,000.00
Qualifying balance up to $5,000.00
No additional details available.
Qualifying balance up to $1,000.00
No additional details available.
Qualifications Required: First Entertainment Checking Account; eStatements only; active online Bill Pay service or Direct Deposit; Qualifying balance up to $500.00
No additional details available.
UP TO AGE 21
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Full Balance
Qualifying balance up to $1000.00
Qualifying balance up to $500.00; No monthly fees. High yield checking required.
No additional details available.
Must be open for a minimum of three years and pays out on your child's college entrance date or 18th birthday, whichever comes first. Fees could reduce the earnings on the account. Available to qualifying Members. Some restrictions may apply. Ask for details. 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.
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as high as
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about homebuyer plus
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Qualifying balance up to $5,000.00
Qualifying balance up to $5,000.00
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Qualifying balance up to $2,500.00
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. 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.
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Qualifying balance up to $5,000.00
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Qualifying balance up to $20,000.00
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balances up to $14,999.99
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Qualifications Required: Receive e-statements; Receive $1,000 or more in eligible deposits to any Rivermark checking account within the same membership as the Loyalty Savings Account; Qualifying balance up to $25,000
ages 0-17 earn
Qualifying balance up to $25,000.00
No additional details available.
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As Low As; Use your money on deposit as security for a great rate
Qualifying balance up to $25,000.00
Qualifications Required: direct deposit(s) of at least $500.00 to a Freedom Direct, Justice National, Beyond the Badge or Student checking account during a month; Qualifying balance up to $25,000
when you add Direct Deposit to a new or existing Justice Federal Checking Account
No additional details available.
Qualifying balance up to $500.00
Qualifying balance up to $5,000.00
No additional details available.
($50 - $500) Q1
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Qualifying balance up to $10,000; for one year!
Now offering a 4.0% APY to Texas businesses.
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Qualifying balance up to $5,000.00
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up to $10,000
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As high as
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$250 Minimum / 12 Months
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The current dividend rate is 3.69% for balances $10,000 and over. APY and rate may change after account is opened and any fees could reduce earnings. There is no minimum balance to open or maintain HighMarq Savings. The minimum average daily balance to earn the advertised APY is $10,000. There are no monthly fees as long as you register for and maintain e-Statements. If you choose to receive paper statements, there will be a $10 monthly fee.
No additional details available.
on balances up to $24,999
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.
Must enroll in eStatements to receive the advertised rate. Maximum aggregate balance of $2,500,000 across Blue Savings for Business accounts per Tax ID.
No additional details available.
($10,000 required average daily balance)
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 - Panhandle Credit Union
Rising Tide Youth Share — 10.00% APY - Alliance Credit Union Fenton, MO
Star Student Savings Club — 10.00% APY - Avestar Credit Union
Round Up Savings Account — 10.00% APY - Cyprus Federal Credit Union
Dream Round Up Savings — 10.00% APY
More Savings Rate Options
