Best Credit Union Savings Account Rates — March 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 Radiant Credit UnionRadiant Credit Union405 SE 2nd PL, Gainesville, FL 32601 6808A+5.0 ★Texas Ratio: 5.29% offering Even-Up Share* at 10.00% 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. Savings rates as of March 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: March 28, 2026
Compare the Best Credit Union Savings Rates Nationwide
Maximum Balance: $1,200
Savings Jar is designed to encourage increased debit card usage while simultaneously helping our members save at an enhanced interest rate, currently set at 10.47% APY. Dividends are credited to the Savings Jar account monthly, and round-ups from transactions are deposited nightly. Please note that the higher interest rate is subject to change and is set at the discretion of Century Federal Credit Union. Additionally, Century Federal Credit Union reserves the right to modify or discontinue the Savings Jar program and its features at any time. Participation in the Savings Jar program is subject to eligibility criteria set by Century Federal Credit Union.
No additional details available.
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
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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 $500.00
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Qualifying balance up to $500
Qualifying balance up to $500.00
Qualifying balance up to $1000.00
Qualifying balance up to $2,500.00
Qualifying balance up to $1,000.00
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Maximum contribution of $2,000 per month from a qualified source, such as payroll from LAUSD or LACCD
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Everyday APY
KEMBA Advantage APY
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Qualifications Required: account must have e-statements; Qualifying balance up to $1,000.00
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Qualifying balance up to $10,000.00
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Qualifying balance up to $2500.00
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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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Earn a great rate, plus get $25 when balance reaches $1,000.
Qualifying balance up to $3,000.00
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Qualifying balance up to $3,000.00
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Qualifying balance up to $2,000.00
Qualifying balance up to $500.00
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00
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Qualifying balance up to $500.00
(ages 0-17 or older with current Student ID)
Qualifying balance up to $500.00
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Qualifying balance up to $1,000.00
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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
Qualifying balance up to $10,000.00
Qualifying balance up to $5,000.00
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Qualifying balance up to $499.99
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Qualifying balance up to $500.00; Learn More
Qualifying balance up to $500.00
Qualifying balance up to $500.00
Qualifying balance up to $2,000
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
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UP TO AGE 21
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Qualifying balance up to $500.00
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Qualifying balance up to $2,500.00
Qualifying balance up to $10,000
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
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Qualifying balance up to $1,000.00
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max $300 deposit per month
Qualifying balance up to $5000
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Qualifying balance up to $1,000.00
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Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Full Balance
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
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No additional details available.
Qualifying balance up to $1,000.00
Qualifications Required; Qualifying balance up to $2,500.00
Qualifying balance up to $2,500.00
Additional savings grows according to the Rate & Fee Schedule
Qualifying balance up to $500.00
No additional details available.
Qualifying balance up to $500.00
One Per Member (Primary RS Savings only) for 5%
Available for personal memberships.
Qualifying balance up to $1,000.00
Qualifying balance up to $20,000.00
Qualifying balance up to $500.00
No additional details available.
Qualifying balance up to $500.00
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
No additional details available.
Balances $0.00 - $1,000.00
Qualifying balance up to $10,000.00
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Qualifying balance up to $1000.00
Qualifying balance up to $500.00; High yield checking required.
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.
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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
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Qualifying balance up to $25,000.00
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Qualifying balance up to $25,000.00
Qualifying balance up to $12,000.00
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$250,000 - $499,999
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Qualifying balance up to $5,000.00
Qualifying balance up to $500.00
Boost Your Rate 1.00% with Round-Up Checking
Qualifying balance up to $5,000.00
up to $5,000; Qualifying balance up to $5,000.00
Qualifying balance up to $50,000
No additional details available.
Qualifying balance up to $5,000.00
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Qualifying balance up to $5,000.00
4th Quarter 2025; Qualifying balance up to $20,000.00
Direct Deposit to a new or existing Justice Federal Checking Account.
Limited time offer. Restrictions apply.
No additional details available.
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Qualifying balance up to $10,000; for one year!
Qualifying balance up to $25,000.00
Qualifying balance up to $25,000.00
No additional details available.
Qualifying balance up to $500.00
No additional details available.
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Qualifying balance up to $499.99
Qualifying balance up to $5,000
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As Low As; Use your money on deposit as security for a great rate
National Savings Rate Trends
Weekly averages from 6,651 current 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 - Radiant Credit Union
Even-Up Share* — 10.00% APY - Neighbors Credit Union
SMART Savings — 10.00% APY - Panhandle Credit Union
Rising Tide Youth Share — 10.00% APY
More Savings Rate Options
