Best Credit Union Savings Account Rates — June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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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: 1.16% offering Rising Tide Youth Share at 10.00% APY, and Service Federal Credit UnionService Federal Credit Union14 Colby Ct, Bedford, NH 03110A5.0 ★Texas Ratio: 10.17% offering Deployed Warrior Savings 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: 4.05% offering Star Student Savings Club at 10.00% APY, and ORSA Credit UnionORSA Credit Union500 S HARVEY ST, PLYMOUTH, MI 48170 1759A5.0 ★Texas Ratio: 7.78% offering High Yield Savings at 10.00% APY. Savings rates as of June 29, 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: June 29, 2026
Compare the Best Credit Union Savings Rates
Balance: $5 - $1,000
No additional details available.
Earn $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.
Give your cash a high-yield boost with 10% APY** on your first $1,000 at the place for savers! Throughout 2025, our High Yield Savings account was consistently ranked either #1 or among the top three in America by MarketWatch.
Qualifications Required; See full reward savings details and account requirements here .
Qualifying balance up to $2,500.00
Qualifying balance up to $1,000.00
No additional details available.
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as high as 6.18%
Qualifying balance up to $1,000.00
No additional details available.
Promotional rate; Balances in excess of $10,000.00 will earn dividends at the Credit Union's regular Money Market rate, as set forth in the current Rate Schedule. Rates shown are current as of May 1, 2026, and are subject to change at any time. Please call the Credit Union at 716-833-9670 for current rates.
No additional details available.
No additional details available.
Qualifying balance up to $2,000.00
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; 0.05% APY applies when the balance is $2,500.01 and greater, or to all balances if monthly qualifications are not met. Periodic withdrawals are not allowed on this account. Only a withdrawal of the entire balance is allowed, which will result in the closure of this account. Once closed, another I Can Save account will not be allowed for a period of two years from the date of account closure.
Promoted interest rate paid on entire balance when maintained at $5.01 and above. No interest paid on balances $5.00 and below.
Promoted interest rate paid on entire balance when maintained at $5.01 and above. No interest paid on balances $5.00 and below. Annual Percentage Yield (APY) as of 11/01/2025 if balance is above $5; subject to change.
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $20,000.00
No additional details available.
No additional details available.
No additional details available.
No additional details available.
APY on balances up to $500. APY effective 04/16/2026 and subject to change. Fees could reduce earnings.
The first $500 deposited will yield 5.25% interest. Free piggy bank at account opening. Birthday cards. A's Pay Online access/Mobile app.
Qualifying balance up to $1,000.00
Ages 0-17 or older with current Student ID
Qualifying balance up to $1,000.00; Regular Share Savings rate for balances thereafter; at 21, Youth Savings converts to a Regular Share Savings account.
Rates effective as of 3/1/2026 and are subject to credit criteria, collateral, and term. Certain restrictions apply. Membership eligibility required.
Balances above $500.00 are paid the standard share savings rate.
Earn Interest Daily No Monthly Service Fee Easy Online Access Quarterly Statements
Paid Quarterly
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.
Qualifying balance up to $5,000.00
No additional details available.
Learn more
Learn more
No additional details available.
Qualifications Required: 10 debit card purchases (excluding ATM transactions); 1 automatic payment or direct deposit post and settle; electronic statement; Balances above $10,000 earn 0.05% APY*. Base interest rate of 0.05% APY* if qualifications are not met.
Qualifying balance up to $500.00
Earn over 8x above the national savings average. Boost your savings without sacrificing flexibility. Deposit or withdraw as needed. No monthly service fee.
Tiered rate for balances $0.00 - $500.00
Qualifying balance up to $499.99
Earn 5.00% APY more on the first $750
Qualifications Required: First Entertainment Checking Account; 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.
No additional details available.
max $300 deposit per month
Qualifying balance up to $1,000.00; 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
No additional details available.
Qualifying balance up to $1,000.00
No additional details available.
Bonus dividend rate is paid on the first $2,500 balance in the account for the first 12 months. Non-Bonus Rate is 0.05% for balances of $2500.01 and greater.
Qualifying balance up to $500.00
Anticipated Bonus Dividend Rate for balances of $0.01 to $2,500: 4.89%. Non-Bonus Rate is 0.05% with anticipated APY of 0.05% for balances up to $24,999.99. Offer subject to change without notice.
On balances up to $500 for our savers age 17 or younger.
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.
No additional details available.
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%. You must be 22 years or older to open an Accelerate It Savings account.
Earn 5% APY on the first $5,000. Qualifying balance up to $5,000.00
2
On the first $0 - $500 balance. Learn More
Qualifying balance up to $2,500.00
On the first $0 - $500. Rate based on terms. See Notes and Fees for details.
Qualifying balance up to $1,000.00
Tiered rate for balances less than $15,000.
No additional details available.
No additional details available.
Automatically round up your debit card purchases and transfer the difference into an interest-bearing account-earn up to 5% APY* on the first $1,000.
Your first $500 grows at 5% APY. Your next $500 earns 3% APY. Additional savings grows according to the Rate & Fee Schedule.
No additional details available.
No additional details available.
Qualifying balance up to $1,000.00
On your first qualified $500 in balances.
As low as; Rates subject to change at any time.
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; APY: 5.00% to 0.76%
Balances $0.00 - $1,000.00
APY is accurate as of 6/15/2026 and subject to change, including after account opening, without notice. The Student Savings account is a variable rate tiered account. Balances $1,000.01 to $10,000.00 earn 5.00% - 1.39% APY range and 1.00% dividend rate. $10,000.00 balance is an illustrative example for APY computation purposes only. There is no maximum balance for Student Savings accounts. The dividend rate is paid on the portion of the daily balance within each balance tier. Fees may reduce earnings.
UP TO AGE 21
Qualifying balance up to $1,000.00. Balances above $1,000 will earn our regular savings rate.
No additional details available.
No additional details available.
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
No additional details available.
APY AS HIGH AS
No additional details available.
Qualifying balance up to $1,000.00
Turn your $600 savings into an $1800 down payment. Our new Save To Ride Match Savings will double your money and help you purchase a reliable ride.
Qualifying balance up to $1000.00
No additional details available.
4.50% APY†on $0-500 balance. No monthly fees. High yield checking required.
No additional details available.
No additional details available.
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as high as
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Qualifying balance up to $5,000.00
No additional details available.
No additional details available.
Dividends are based on the Credit Union's earnings and cannot be guaranteed.
No additional details available.
No additional details available.
No additional details available.
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No additional details available.
Sign up for Our High-Yield Business Savings with Up to 4.01% APY*
No additional details available.
No additional details available.
No additional details available.
Qualifying balance up to $10,000.00
On up to $50k. No fees. No minimums.
No additional details available.
No additional details available.
No additional details available.
Earn 0.500% APY* on balances over $25,000
No additional details available.
Earn as high as 4.00% APY* on your savings! We're all saving for something. Learn more about our High Yield Savings Account. Start Saving
Earn as high as 4.00% APY* on your savings! We're all saving for something. Start Saving
No additional details available.
No additional details available.
Balances up to $14,999.99. No monthly fees. No minimum balance. No direct deposit required.
Qualifying balance up to $2,000.00
No additional details available.
Blended APY range calculated on an assumed sample deposit of $10,000.00 for Youth Savings
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 $25,000.00. This is a variable rate account and may change after account opening without notice. Only one Loyalty Savings account allowed per membership. Consumer memberships only.
The dividend rate and annual percentage yield may change at any time as determined by the credit union's board of directors. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The dividend rate and annual percentage yield are the prospective rate and yield that the credit union anticipates paying for the applicable dividend period. Dividends begin to accrue on noncash items (i.e. checks) on the business day you make the deposit to your account. If you close your account before dividends are credited, accrued dividends will not be paid. Fees may reduce the earnings on any account.
No additional details available.
Intro Rate For 12 Months
No additional details available.
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; Earn 4.00% APY* when you open a high-yield Freedom Direct Savings Account with Direct Deposit to a Checking account. No withdrawal fees. No monthly service fees. Direct Deposit and Automatic Transfers Available.
No additional details available.
Open a Freedom Direct Savings Account and earn 4.00% APY* when you add Direct Deposit to a new or existing Justice Federal Checking Account.
Apply Online
No additional details available.
Balances of $25,000.01 or more 4.00-2.87% APY. As your balance increases, your overall APY will decrease. If you do not meet these requirements your entire Loyalty Savings balance will earn .05% APY. This is a variable rate account and may change after account opening without notice. Only one Loyalty Savings account allowed per membership. Consumer memberships only.
Blended APY; Balance range: $2,000.01 - $5,000
Q1
No additional details available.
Highest yield on balances up to $1,000. A blended APY is calculated based on balances in each earning tier. Apply for Youth Savings
Tiered rates based on balance.
No additional details available.
Tiered balance rates
No additional details available.
No additional details available.
on your first $10,000
IRA High Yield Savings: The dividend rate and annual percentage yield are subject to periodic change, as determined by the credit union. Dividends will be compounded monthly and credit to your account every month. If you close your account before dividends are paid, you will not receive the accrued dividends. Balances of $25,000 or more will earn an annual percentage yield of at least 4.00%
No additional details available.
Limited Time Special Rate up to $5,000**
Limited time offer.
No additional details available.
No additional details available.
No additional details available.
No minimum balance requirement, no monthly service fees, and a low opening deposit of $100.
No additional details available.
High-Yield Savings Account up to $10,000
Kids Only Savings
As high as; **
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Rates as high as 3.75 % APY*
No additional details available.
No additional details available.
($10,000 required average daily balance); Paid Monthly
No additional details available.
No additional details available.
On balances up to $24,999. No monthly fees. No minimum balance. No direct deposit required.
*APY=Annual Percentage Yield
No additional details available.
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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 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?
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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 - Service Federal Credit Union
Deployed Warrior Savings — 10.00% APY - Alliance Credit Union Fenton, MO
Star Student Savings Club — 10.00% APY - ORSA Credit Union
High Yield Savings — 10.00% APY - PCM Credit Union
Reward Savings — 7.50% APY
More Savings Rate Options
