Best Credit Union Savings Account Rates — August 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 20603A+5.0 ★Texas Ratio: 6.72% offering Brilliant Kids Savings at 10.38% APY, and Nebo Credit UnionNebo Credit Union730 E 300 S, Springville, UT 84663A+5.0 ★Texas Ratio: 3.93% 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, 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. Savings rates as of August 28, 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: August 28, 2026
Compare the Best Credit Union Savings Rates
See disclosures for details on APY calculation.
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Dividends compounded and paid monthly
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Save your money faster with 10.00% APY on your first $1,000! Pair it with your CloseEnuff Checking using grow & give and make the most of your cashflow! Rates are subject to change at any time. orsa credit union membership is required.
No additional details available.
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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 11/16/2025. 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 Warrior 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.
Rate = 0.050% | APY* 0.05% for balances $1,000.01 & over.
Receive $1 for every "A" or "B" on their semester report card; Member must redeem their filled sticker card in branch. 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.
No additional details available.
Super-high dividends; Cash rewards for deposits $1-$10 awarded at different transaction intervals; High dividends are paid out quarterly; At account opening, your child is given a special stamp card to track deposits. Once their stamp card is full of 24 stamps, your child is given the option of receiving $10, a movie ticket, or a plush Penny the Hedgehog stuffed animal.
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.
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See full reward savings details and account requirements here .
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Dividend rate applies to balances up to and including $1000.00. Balances of $1,000.01 and above will earn the same dividend rate as our Primary Share Savings account.
7.00% on first $500
Available for ages 0-19 years with a parent/guardian joint signer. It earns 7.00% APY on balances up to $500. 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. $1 to open. APY is accurate as of June 22, 2023.
Dividends are earned tax-free and qualified medical expense withdrawals are tax-free also. Balances greater than $1,000 earn a rate of 1.25% - 7.00% APY.
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Qualifications Required: Maintain an eligible WEOKIE checking account; Enroll in e-Statements; Complete 4 qualifying transactions monthly; Featured rate on balances up to $1,000.00. Base rate applies to balances over $1,000.00.
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Youth up to age 261?2 earn a preferred rate on balances up to $1,000.
Promotional rate on balances up to $10,000.00. Balances in excess of $10,000.00 will earn dividends at the Credit Union's regular Money Market rate.
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APY (Annual Percentage Yield) if balance is above $5; subject to change.
APY (Annual Percentage Yield) if balance is above $5; subject to change.
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Balances up to $3,000: Rate 5.85%, APY 6.00%. Balances over $3,000: Rate 0.05%, APY 0.05%
6.00% on first $2500
6.00% APY on balances up to $2,500; balances over $2,500 will earn .01% APY on remaining balance.
Balances up to $3,000: Rate 5.85%, APY 6.00%. Balances over $3,000: Rate 0.05%, APY 0.05%
Balances above $2,500.00 are paid the standard share savings rate.
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Qualifying balance up to $2,000.00
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Certificated and classified school employees of our Board approved SEGs are eligible for our Summertime Savings Account bonus rate.
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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.
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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.
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Age: up to 17; Balances up to $500
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The Teen Savings matures on the teen's 18th birthday. Any withdrawal prior to maturity will result in a penalty of all dividends earned.
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Interest-bearing account; First $500 deposited will yield 5.25% interest.
Earn 5.25% APY on the first $500 in the account. Get a 0.25% APY boost on your Ignite Savings rate when you pair it with any OCCU checking account. First-year earnings are based on a 12-month average. APY effective 4/16/2026 and subject to change.
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$0-$1,000
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. Charts assume that deposits remain in satisfactory standing for a full year. Penalty may apply for early withdrawals from Certificate accounts. Fees could reduce earnings on the account.
Qualifications Required: 5.13% APY will be paid only on the portion of your average daily balance that is greater than $1,000.01 and the portion of your average daily balance $0.00 - $1,000 earns 0.05% APY.; Age: up to 17 (or older with a current student id); Featured rate on balances up to $1,000.00
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Join the Herd!
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Up to $1,000
TBD Savings; $0 - $1,000; Dividends Paid: Monthly
Includes: Earn Interest Daily No Monthly Service Fee Easy Online Access Quarterly Statements
Balances above $500 earn 0.25% APY.
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APY = Annual Percentage Yield. Paid on balance up to $1,000; competitive rate on higher balance.
For kids 7 and under; Prizes for deposits over $10; Annual birthday surprise
As high as
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Qualifying balance up to $10,000.00
APY is Annual Percentage Yield. Accurate as of 08/25/2026. The Credit Union may offer other rates in the future. Compounded monthly. A minimum balance is required to open this account. Fees or other conditions could reduce the earnings on the account.
Balances ? $3,000.00
Qualifications Required; Qualifying balance up to $25,000.00
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APY is Annual Percentage Yield. Accurate as of 08/25/2026. Minimum $5 to open a savings or IRA savings account. Subject to change without notice. Compounded monthly. A minimum balance is required to open this account. Fees or other conditions could reduce the earnings on the account.
Qualifying balance up to $1,000.00
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Balances up to $1,000.00
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Rate: 4.89% on balances up to $1000, 0.05% above $1000; APY: 5.00% on balances up to $1000, 0.05% above $1000
Introductory bonus dividend rate is paid on the first $2,500 balance for the first 12 months. 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.
UP TO AGE 21
Qualifications Required: provide and maintain a valid email address; be enrolled to receive e-statements
Free Greenlight subscription included!
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
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Compounded Quarterly
*These rates are blended for balances over $1,000. For example, if a member has $1,000 in savings they would receive dividends at the 5.00% APY rate on the first $1,000 in funds, then dividends at the 0.20% rate on any balances between $1,000.01 and $5,000.00, and then dividends at the 0.15% rate on any balances over $5,000. 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.
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
Earn over 8x above the national savings average with tiered rates as high as 5.00% APY. Boost your savings without sacrificing flexibility. With our new High Yield Savings account, you earn our highest yield of our non-certificate options and get penalty-free access to your funds anytime. Great way to build your savings. Deposit or withdraw as needed. No monthly service fee. Dividends accrued daily and paid monthly.
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.
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Balances from $1.00 to $500 earn 5.00% APY. Balances over $500 will earn the current savings APY. Variable rate accounts rates and terms are subject to change without notice. Available for children 16 and under. To obtain the blended dividend rate, there is a limit of one account for each unique minor/joint ownership. Dividends are calculated on daily balance and credited monthly. Fees could reduce earnings. Membership eligibility applies.
On Balances Up To $1000.00
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Dividends Earned Monthly
Dividends Earned Monthly
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Qualifications Required: being 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.
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First $1,000 grows at highest available rates. Your next $500 earns 3% APY.
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.
No additional details available.
Qualifications Required: 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.
Share accounts require a $25 minimum deposit to open account. Share account dividends are earned on the average daily balance for the month. Fees may reduce earnings.
Qualifications Required: Internet access and eStatement 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. Must have a parent or legal guardian as Joint Owner. Joint Owner must be a member in good standing.
Balances exceeding $5,000 will earn 0.100% APY.
APY on first $500; 0.25% APY on funds over $500. Annual Percentage Yield (APY) is accurate as of the last dividend declaration date of 10/16/2025 and subject to change without notice. Dividends paid on daily balances of up to $500; variable APY of 5.00%. If actual daily balance exceeds $500, the remaining balance will receive variable APY of 5%-0.25%. Dividends are calculated based on the daily balance with the sum of the daily earnings credited on the last day of each month. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.
Dividends paid on daily balances of up to $500; variable APY of 5.00%. If actual daily balance exceeds $500, the remaining balance will receive variable APY of 5%-0.25%. Dividends are calculated based on the daily balance with the sum of the daily earnings credited on the last day of each month.
No additional details available.
Qualifying balance up to $1,000.00
Make a debit purchase - We'll put 5¢ into a Unitus Rewards savings account for every purchase of $5.00 and up. Round up your purchase. Available with Unitus Checking.
Rates currently
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$0-500
APY on the first $1,000. Balances above $1,000 will earn our regular savings rate.
1
Our signature savings account is available for all Maps personal memberships and it's completely free! You get our highest savings interest rate and you'll earn more the longer you keep your money in the account. Deposits come from three sources: Round Up, Cashback Credit Card, Reward Bonuses. To use your Reward balance, simply transfer the amount you want from your Member Rewards savings account to your checking or savings account.
No additional details available.
Earn 5% interest on your savings for the first $1,000 saved. Rates are current as of 5/15/2025 and are subject to change without notice.
For the Accelerate It Savings account, the dividend rate and annual percentage yield are subject to change without notice after account opening. 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. For Accelerate It Savings accounts, 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.
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A dividend rate of 5.00% will be paid on the balance in your account up to the first $1,000.00. A dividend rate of 0.10% will be paid on the portion of your balance in your account that exceeds $1,000.00. For example, a balance between $1,000-$2,000 would earn between 5.116%-2.551% APY. Assumes that all funds, including dividends, remain on deposit for 365 days.
Balances up to $1,000.00
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10 times higher than our savings account
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5.00% APY on balances up to $5,000, balances over $5,000 will earn 0.100% APY on remaining balance. Rates are subject to change.
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Age: 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 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.
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The funds in the account that are over $1,000 will earn the regular savings rate. When a member turns 18, the entire account will earn the regular savings rate.
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The Youth Savings matures on the child's 13th birthday. Any withdrawal prior to maturity will result in a penalty of all dividends earned.
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Up to the first $5,000; Funds over $100,000
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Tiered account; rate applies to entire balance. Federally insured by NCUA.
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Your savings account through ASECU is liquid. It can be used at anytime when you need cash. We do not offer CD's.
Get 4.10% APY* with a 13 month term and $500 minimum deposit.
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Balances below $15,000 will earn .05 APR
For portion of account balance up to $5,000.00
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Rates as of 10/3/22 and subject to change at any time. IMMA = Insured Money Management Account APY = Annual Percentage Yield. Dividends paid monthly. Rates as of 10/3/22 and subject to change at any time.
Rates as of 10/3/22 and subject to change at any time. IMMA = Insured Money Management Account APY = Annual Percentage Yield. Dividends paid monthly. Rates as of 10/3/22 and subject to change at any time. * $500 minimum deposit. Rates as of 8/3/26 and subject to change at any time. Rates are fixed for the term. Annual Percentage Yield (APY) reflects dividends compounded and paid into the certificate monthly. Early withdrawal penalties apply. 7-month, 19-month, and 31-month certificates are promotional terms and rates. These promotions can end at any time.
Minimum Balance
Any amount over $500 with receive the Regular Savings Rate of .05% APY.
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Balances $1 - $2,500 Earn 4.06% APY. Balances $2,501+ Earn 0.25% APY. Dividends paid Quarterly
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Qualifications Required; Qualifying balance up to $100,000.00
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. Fees and charges : Wire transfers - $20.00 per transfer Transaction limitations: We reserve the right to limit deposits. We reserve the right to, at any time, require not less than seven days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. 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.
Qualified Rate
Qualifications Required: At least $500 in deposits and 10 withdrawals per month on an active checking account; Premium Rate : To receive the premium interest rate an active checking account that meets monthly minimums of $500 in deposits and 10 withdrawals is required. The premium rate will be applied at the end of each month on balances up to $25,000. Non-Premium Rate : Interest rate will decrease for balances above $25,000. Base Rate : Interest rate applied if checking activity doesn't qualify.
No additional details available.
Earn 4.00% APY on balances of $10,000 and over. No account fees when you stay enrolled in eStatements. Federally insured deposits. Penalty-free withdrawals. As of 08/13/26.
Highest yield on balances up to $1,000.
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Earn 4.00% APY* on balances up to $25,000; Earn 0.500% APY* on balances over $25,000
Qualifications Required; Qualifying balance up to $100,000.00
Qualifications Required: 4.00% to 1.40%
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 0.27% APY Credit union average |
Earned at 10.00% APY Top offer in our table | Difference |
|---|---|---|---|
| $1,000 | $2.74 | $100.00 | $97.26 |
| $5,000 | $13.72 | $500.00 | $486.28 |
| $10,000 | $27.43 | $1,000.00 | $972.57 |
| $25,000 | $68.58 | $2,500.00 | $2,431.42 |
| $50,000 | $137.15 | $5,000.00 | $4,862.85 |
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 Nebo 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
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What are the best Credit Union Savings rates right now?
- SPECTRA Credit Union
Brilliant Kids Savings — 10.38% APY - Nebo Credit Union
Dream Round Up Savings — 10.00% APY - Avestar Credit Union
Round Up Savings Account — 10.00% APY - Cyprus Federal Credit Union
Dream Round Up Savings — 10.00% APY - ORSA Credit Union
High Yield Savings — 10.00% APY
More Savings Rate Options
