California

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California Credit Union Savings Rates 2020

Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

CA - April 7, 2020

Savings Account National Average Rate: 0.16% ?

Advertiser Disclosure
Credit Unions APY Vs.
Nat'l
Av.		 MIN Miles?
Meriwest
Restrictions
3.50% 21.74x $100 -
Safe
Restrictions
3.26% 20.25x $2,001 -
Noble
Restrictions
2.00% 12.42x $2,501 -
Meriwest
Restrictions
2.00% 12.42x $10,000 -
Patelco
Restrictions
2.00% 12.42x $2,001 -
Sri
Restrictions
1.75% 10.87x $5 -
American United
Restrictions
1.65% 10.25x $25,000 -
Star One
Restrictions
1.65% 10.25x $5 -
Chevron
Restrictions
1.55% 9.63x $2,500 -
American United
Restrictions
1.50% 9.32x $10,000 -
American Airlines
Restrictions
1.46% 9.07x $1 -
American United
Restrictions
1.40% 8.70x $1,000 -
Self-help
Restrictions
1.19% 7.39x $500 -
F & A
Restrictions
1.06% 6.58x $2,500 -
1.05% 6.52x $1 -
Premier America
Restrictions
1.05% 6.52x $25,000 -
Usc
Restrictions
1.05% 6.52x $10,000 -
Ume
Restrictions
1.00% 6.21x $100 -
Patelco
Restrictions
1.00% 6.21x $10,001 -
Premier America
Restrictions
0.95% 5.90x $2,500 -
0.90% 5.59x $25,000 -
0.85% 5.28x $10,000 -
0.80% 4.97x $2,500 -
Logix
Restrictions
0.80% 4.97x $25,000 -
0.80% 4.97x $20,000 -
Stanford
Restrictions
0.80% 4.97x $2,500 -
0.80% 4.97x $25,000 -
0.75% 4.66x $25,000 -
Sce
Restrictions
0.75% 4.66x $25,000 -
Ukrainian
Restrictions
0.75% 4.66x $25,000 -
Sun Community
Restrictions
0.75% 4.66x $25,000 -
0.75% 4.66x $25,000 -
Energy One
Restrictions
0.70% 4.35x $20,000 -
Logix
Restrictions
0.70% 4.35x $10,000 -
0.70% 4.35x $2,000 -
Noble
Restrictions
0.70% 4.35x $10,000 -
Redwood
Restrictions
0.70% 4.35x $25,000 -
Altura
Restrictions
0.70% 4.35x $10,000 -
0.70% 4.35x $2,500 -
Trugrocer
Restrictions
0.65% 4.04x $25,000 -
Redwood
Restrictions
0.65% 4.04x $10,000 -
Energy One
Restrictions
0.60% 3.73x $5,000 -
0.60% 3.73x $10,001 -
Sri
Restrictions
0.60% 3.73x $25,000 -
Sacramento
Restrictions
0.60% 3.73x $25,000 -
0.60% 3.73x $1,000 -
0.60% 3.73x $25,000 -
0.60% 3.73x $25,000 -
0.60% 3.73x $25,000 -
0.55% 3.42x $1 -
Desert Valleys
Restrictions
0.55% 3.42x $25,000 -
Sri
Restrictions
0.55% 3.42x $2,500 -
Stanford
Restrictions
0.55% 3.42x $2,500 -
Xceed Financial
Restrictions
0.55% 3.42x $10,000 -
Pacific Service
Restrictions
0.55% 3.42x $25,000 -
0.55% 3.42x $2,500 -
Provident
Restrictions
0.51% 3.17x $25,000 -
F & A
Restrictions
0.50% 3.11x $5 -
Logix
Restrictions
0.50% 3.11x $2,500 -
Kinecta
Restrictions
0.50% 3.11x $10,000 -
Desert Valleys
Restrictions
0.50% 3.11x $10,000 -
Sce
Restrictions
0.50% 3.11x $1 -
Ukrainian
Restrictions
0.50% 3.11x $2,500 -
Sun Community
Restrictions
0.50% 3.11x $2,500 -
Chabot
Restrictions
0.50% 3.11x $10,000 -
Unify Financial
Restrictions
0.50% 3.11x $10,000 -
Partners
Restrictions
0.50% 3.11x $25,000 -
First Technology
Restrictions
0.50% 3.11x $25,000 -
0.50% 3.11x $10,000 -
Schoolsfirst
Restrictions
0.50% 3.11x $25,000 -
Chevron
Restrictions
0.50% 3.11x $25 -
Sacramento
Restrictions
0.50% 3.11x $10,000 -
0.50% 3.11x $10,000 -
0.50% 3.11x $10,000 -
Schools Financial
Restrictions
0.50% 3.11x $25,000 -
Orange County's
Restrictions
0.50% 3.11x $25,000 -
Premier One
Restrictions
0.50% 3.11x $10,000 -
Tulare County
Restrictions
0.45% 2.80x $2,500 -
0.45% 2.80x $2,501 -
Desert Valleys
Restrictions
0.45% 2.80x $2,500 -
Geico
Restrictions
0.45% 2.80x $25,000 -
Bay
Restrictions
0.45% 2.80x $25,000 -
Unify Financial
Restrictions
0.45% 2.80x $2,500 -
0.45% 2.80x $10,000 -
0.45% 2.80x $10,000 -
Pacific Service
Restrictions
0.45% 2.80x $2,500 -
Media City
Restrictions
0.45% 2.80x $10,000 -
Energy One
Restrictions
0.40% 2.48x $25,000 -
Lassen County
Restrictions
0.40% 2.48x $10,000 -
Gain
Restrictions
0.40% 2.48x $10,000 -
Ume
Restrictions
0.40% 2.48x $10,000 -
Sandia Laboratory
Restrictions
0.40% 2.48x $25,000 -
Geico
Restrictions
0.40% 2.48x $10,000 -
Partners 1st
Restrictions
0.40% 2.48x $25,000 -
Kings
Restrictions
0.40% 2.48x $10,000 -
Bay
Restrictions
0.40% 2.48x $10,000 -
Trugrocer
Restrictions
0.40% 2.48x $2,500 -
Partners
Restrictions
0.40% 2.48x $2,500 -
0.40% 2.48x $1,000 -
The Golden 1
Restrictions
0.40% 2.48x $10,000 -
Sacramento
Restrictions
0.40% 2.48x $2,500 -
San Mateo
Restrictions
0.40% 2.48x $1 -
0.40% 2.48x $2,500 -
0.40% 2.48x $2,500 -
Travis
Restrictions
0.40% 2.48x $25,000 -
Lbs Financial
Restrictions
0.40% 2.48x $25,000 -
0.40% 2.48x $25,000 -
Menlo Survey
Restrictions
0.35% 2.18x $3,000 -
Pasadena
Restrictions
0.35% 2.17x $10,000 -
0.35% 2.17x $5 -
Los Angeles
Restrictions
0.35% 2.17x $25,000 -
Gain
Restrictions
0.35% 2.17x $2,500 -
Sandia Laboratory
Restrictions
0.35% 2.17x $10,000 -
Chabot
Restrictions
0.35% 2.17x $2,500 -
Schoolsfirst
Restrictions
0.35% 2.17x $10,000 -
Redwood
Restrictions
0.35% 2.17x $25,000 -
0.35% 2.17x $2,500 -
Keypoint
Restrictions
0.35% 2.17x $5,000 -
Wescom Central
Restrictions
0.35% 2.17x $25,000 -
Technology
Restrictions
0.35% 2.17x $25,000 -
Schools Financial
Restrictions
0.35% 2.17x $10,000 -
Travis
Restrictions
0.35% 2.17x $7,500 -
0.35% 2.17x $25,000 -
Ventura County
Restrictions
0.35% 2.17x $25,000 -
0.35% 2.17x $10,000 -
American First
Restrictions
0.35% 2.17x $10,000 -
Silverado
Restrictions
0.35% 2.17x $25,000 -
Wings Financial
Restrictions
0.35% 2.17x $5,000 -
Provident
Restrictions
0.31% 1.93x $10,000 -
Chaffey
Restrictions
0.30% 1.86x $10,000 -
Los Angeles
Restrictions
0.30% 1.86x $10,000 -
La Financial
Restrictions
0.30% 1.86x $10,000 -
Sandia Laboratory
Restrictions
0.30% 1.86x $2,500 -
Partners 1st
Restrictions
0.30% 1.86x $5,000 -
Thinkwise
Restrictions
0.30% 1.86x $10,000 -
Sun Community
Restrictions
0.30% 1.86x $25,000 -
Kings
Restrictions
0.30% 1.86x $2,500 -
Redwood
Restrictions
0.30% 1.86x $10,000 -
Alta Vista
Restrictions
0.30% 1.86x $20,000 -
Merco
Restrictions
0.30% 1.86x $20,000 -
Wescom Central
Restrictions
0.30% 1.86x $10,000 -
Eagle Community
Restrictions
0.30% 1.86x $25,000 -
Sierra Central
Restrictions
0.30% 1.86x $25,000 -
First Imperial
Restrictions
0.30% 1.86x $25,001 -
Technology
Restrictions
0.30% 1.86x $2,500 -
0.30% 1.86x $25,000 -
Cabrillo
Restrictions
0.30% 1.86x $25,000 -
Premier America
Restrictions
0.30% 1.86x $5 -
Lbs Financial
Restrictions
0.30% 1.86x $2,500 -
American First
Restrictions
0.30% 1.86x $2,500 -
First City
Restrictions
0.30% 1.86x $25,000 -
Energy One
Restrictions
0.25% 1.55x $2,500 -
0.25% 1.55x $5 -
Nuvision
Restrictions
0.25% 1.55x $25,000 -
Pasadena
Restrictions
0.25% 1.55x $2,500 -
Star Usa
Restrictions
0.25% 1.55x $50,000 -
Los Angeles
Restrictions
0.25% 1.55x $2,500 -
Logix
Restrictions
0.25% 1.55x $2,500 -
Ume
Restrictions
0.25% 1.55x $1,500 -
Kinecta
Restrictions
0.25% 1.55x $2,500 -
Alaska Usa
Restrictions
0.25% 1.55x $25,000 -
Thinkwise
Restrictions
0.25% 1.55x $2,500 -
Kings
Restrictions
0.25% 1.55x $1,000 -
0.25% 1.55x $2,500 -
Bay
Restrictions
0.25% 1.55x $2,500 -
Mission
Restrictions
0.25% 1.55x $25,000 -
First Technology
Restrictions
0.25% 1.55x $2,500 -
Xceed Financial
Restrictions
0.25% 1.55x $1 -
First California
Restrictions
0.25% 1.55x $250 -
Schoolsfirst
Restrictions
0.25% 1.55x $2,000 -
0.25% 1.55x $2,500 -
Self-help
Restrictions
0.25% 1.55x $100 -
0.25% 1.55x $25 -
Arrowhead Central
Restrictions
0.25% 1.55x $25,000 -
The Golden 1
Restrictions
0.25% 1.55x $1 -
Uncle
Restrictions
0.25% 1.55x $25,000 -
Premier Community
Restrictions
0.25% 1.55x $25,000 -
Wescom Central
Restrictions
0.25% 1.55x $2,500 -
Eagle Community
Restrictions
0.25% 1.55x $10,000 -
0.25% 1.55x $2,500 -
Technology
Restrictions
0.25% 1.55x $2,500 -
0.25% 1.55x $10,000 -
Schools Financial
Restrictions
0.25% 1.55x $2,000 -
Cabrillo
Restrictions
0.25% 1.55x $10,000 -
Southland
Restrictions
0.25% 1.55x $10,000 -
0.25% 1.55x $2,500 -
0.25% 1.55x $25,000 -
0.25% 1.55x $2,500 -
Silverado
Restrictions
0.25% 1.55x $1,000 -
First City
Restrictions
0.25% 1.55x $10,000 -
Media City
Restrictions
0.25% 1.55x $2,500 -
0.25% 1.55x $5 -
Sce
Restrictions
0.22% 1.37x $1 -
Point Loma
Restrictions
0.21% 1.30x $25,000 -
Justice
Restrictions
0.20% 1.24x $25,000 -
Nuvision
Restrictions
0.20% 1.24x $10,000 -
Tucoemas
Restrictions
0.20% 1.24x $2,500 -
Sandia Laboratory
Restrictions
0.20% 1.24x $100 -
Alaska Usa
Restrictions
0.20% 1.24x $10,000 -
Partners 1st
Restrictions
0.20% 1.24x $2,500 -
Certified
Restrictions
0.20% 1.24x $10,000 -
Sun Community
Restrictions
0.20% 1.24x $2,500 -
0.20% 1.24x $25,000 -
Stanford
Restrictions
0.20% 1.24x $2,500 -
Mission
Restrictions
0.20% 1.24x $1 -
Honda
Restrictions
0.20% 1.24x $5 -
Central State
Restrictions
0.20% 1.24x $25,000 -
California
Restrictions
0.20% 1.24x $10,000 -
Safe 1
Restrictions
0.20% 1.24x $25,000 -
The Golden 1
Restrictions
0.20% 1.24x $100 -
0.20% 1.24x $100 -
0.20% 1.24x $25,000 -
Uncle
Restrictions
0.20% 1.24x $10,000 -
Alta Vista
Restrictions
0.20% 1.24x $20,000 -
Keypoint
Restrictions
0.20% 1.24x $1 -
California Coast
Restrictions
0.20% 1.24x $25,000 -
Eagle Community
Restrictions
0.20% 1.24x $2,500 -
Baxter
Restrictions
0.20% 1.24x $25,000 -
First Imperial
Restrictions
0.20% 1.24x $10,001 -
Safe
Restrictions
0.20% 1.24x $25,000 -
Cabrillo
Restrictions
0.20% 1.24x $2,500 -
Travis
Restrictions
0.20% 1.24x $1 -
Ventura County
Restrictions
0.20% 1.24x $10,000 -
First City
Restrictions
0.20% 1.24x $1,000 -
South Bay
Restrictions
0.20% 1.24x $10,000 -
0.20% 1.24x $25,000 -
Rancho
Restrictions
0.18% 1.12x $2,500 -
Provident
Restrictions
0.16% 0.99x $2,500 -
Energy One
Restrictions
0.15% 0.93x $100 -
Lassen County
Restrictions
0.15% 0.93x $25 -
Justice
Restrictions
0.15% 0.93x $2,500 -
Star Usa
Restrictions
0.15% 0.93x $2,500 -
Pacific Crest
Restrictions
0.15% 0.93x $25,000 -
Los Angeles
Restrictions
0.15% 0.93x $1,000 -
La Financial
Restrictions
0.15% 0.93x $1 -
Altaone
Restrictions
0.15% 0.93x $25,000 -
Tucoemas
Restrictions
0.15% 0.93x $25 -
Strata
Restrictions
0.15% 0.93x $10,000 -
Certified
Restrictions
0.15% 0.93x $1 -
Clearpath
Restrictions
0.15% 0.93x $2,500 -
0.15% 0.93x $10,000 -
Menlo Survey
Restrictions
0.15% 0.93x $5 -
Smw 104
Restrictions
0.15% 0.93x $25,000 -
Scient
Restrictions
0.15% 0.93x $25,000 -
0.15% 0.93x $25 -
Noble
Restrictions
0.15% 0.93x $10,000 -
Central State
Restrictions
0.15% 0.93x $10,000 -
United Local
Restrictions
0.15% 0.93x $10,000 -
0.15% 0.93x $250 -
Arrowhead Central
Restrictions
0.15% 0.93x $1 -
California
Restrictions
0.15% 0.93x $2,500 -
0.15% 0.93x $25,000 -
Safe 1
Restrictions
0.15% 0.93x $10,000 -
Altura
Restrictions
0.15% 0.93x $10,000 -
0.15% 0.93x $1,000 -
0.15% 0.93x $25,000 -
Premier Community
Restrictions
0.15% 0.93x $10,000 -
Alta Vista
Restrictions
0.15% 0.93x $2,000 -
0.15% 0.93x $100 -
0.15% 0.93x $25 -
Safe
Restrictions
0.15% 0.93x $10,000 -
Point Loma
Restrictions
0.15% 0.93x $10,000 -
0.15% 0.93x $1 -
Southland
Restrictions
0.15% 0.93x $2,500 -
Orange County's
Restrictions
0.15% 0.93x $2,500 -
Excite
Restrictions
0.15% 0.93x $2,500 -
0.15% 0.93x $1,000 -
0.15% 0.93x $2,500 -
Usc
Restrictions
0.15% 0.93x $100 -
American First
Restrictions
0.15% 0.93x $500 -
Frontwave
Restrictions
0.15% 0.93x $2,500 -
Premier One
Restrictions
0.15% 0.93x $1,500 -
Wings Financial
Restrictions
0.15% 0.93x $5 -
South Bay
Restrictions
0.15% 0.93x $2,500 -
0.15% 0.93x $100 -
0.15% 0.93x $10,000 -
Uncle
Restrictions
0.13% 0.81x $2,500 -
Smw 104
Restrictions
0.12% 0.75x $10,000 -
Tulare County
Restrictions
0.10% 0.62x $25 -
Chaffey
Restrictions
0.10% 0.62x $5 -
Pentagon
Restrictions
0.10% 0.62x $10,000 -
Nuvision
Restrictions
0.10% 0.62x $5 -
Star Usa
Restrictions
0.10% 0.62x $10 -
Pacific Crest
Restrictions
0.10% 0.62x $10,000 -
Gain
Restrictions
0.10% 0.62x $100 -
Ume
Restrictions
0.10% 0.62x $100 -
Desert Valleys
Restrictions
0.10% 0.62x $5 -
Altaone
Restrictions
0.10% 0.62x $1,000 -
Alaska Usa
Restrictions
0.10% 0.62x $50 -
Strata
Restrictions
0.10% 0.62x $2,500 -
0.10% 0.62x $1 -
Geico
Restrictions
0.10% 0.62x $300 -
Thinkwise
Restrictions
0.10% 0.62x $2,501 -
American United
Restrictions
0.10% 0.62x $50 -
Ukrainian
Restrictions
0.10% 0.62x $50 -
Certified
Restrictions
0.10% 0.62x $1 -
0.10% 0.62x $5 -
Bay
Restrictions
0.10% 0.62x $2,500 -
Mokelumne
Restrictions
0.10% 0.62x $100 -
Mission
Restrictions
0.10% 0.62x $1 -
Central Coast
Restrictions
0.10% 0.62x $25,000 -
Edwards
Restrictions
0.10% 0.62x $2,500 -
Smw 104
Restrictions
0.10% 0.62x $2,500 -
Unify Financial
Restrictions
0.10% 0.62x $5 -
Trugrocer
Restrictions
0.10% 0.62x $1 -
Partners
Restrictions
0.10% 0.62x $1 -
First Technology
Restrictions
0.10% 0.62x $1 -
Scient
Restrictions
0.10% 0.62x $2,500 -
Schoolsfirst
Restrictions
0.10% 0.62x $5 -
0.10% 0.62x $100 -
Noble
Restrictions
0.10% 0.62x $250 -
Central State
Restrictions
0.10% 0.62x $500 -
United Local
Restrictions
0.10% 0.62x $2,500 -
Arrowhead Central
Restrictions
0.10% 0.62x $2,000 -
Redwood
Restrictions
0.10% 0.62x $2,500 -
0.10% 0.62x $1 -
San Diego County
Restrictions
0.10% 0.62x $10,000 -
Safe 1
Restrictions
0.10% 0.62x $50 -
Sacramento
Restrictions
0.10% 0.62x $1,000 -
Altura
Restrictions
0.10% 0.62x $1 -
0.10% 0.62x $10,000 -
Premier Community
Restrictions
0.10% 0.62x $1,000 -
Alta Vista
Restrictions
0.10% 0.62x $25 -
Merco
Restrictions
0.10% 0.62x $1 -
0.10% 0.62x $25,000 -
California Coast
Restrictions
0.10% 0.62x $2,500 -
Wescom Central
Restrictions
0.10% 0.62x $1 -
Eagle Community
Restrictions
0.10% 0.62x $100 -
0.10% 0.62x $100 -
Baxter
Restrictions
0.10% 0.62x $1 -
First Imperial
Restrictions
0.10% 0.62x $1,000 -
Safe
Restrictions
0.10% 0.62x $5 -
0.10% 0.62x $1 -
Valley First
Restrictions
0.10% 0.62x $2,500 -
Pacific Service
Restrictions
0.10% 0.62x $2,500 -
Southland
Restrictions
0.10% 0.62x $25 -
Orange County's
Restrictions
0.10% 0.62x $5 -
Excite
Restrictions
0.10% 0.62x $100 -
0.10% 0.62x $500 -
Usc
Restrictions
0.10% 0.62x $1 -
Lbs Financial
Restrictions
0.10% 0.62x $100 -
Silverado
Restrictions
0.10% 0.62x $1,000 -
Frontwave
Restrictions
0.10% 0.62x $5 -
First City
Restrictions
0.10% 0.62x $100 -
Premier One
Restrictions
0.10% 0.62x $50 -
0.10% 0.62x $1 -
Coasthills
Restrictions
0.10% 0.62x $5,000 -
0.10% 0.62x $2,500 -
Rancho
Restrictions
0.08% 0.50x $1,000 -
Point Loma
Restrictions
0.08% 0.50x $1,000 -
0.08% 0.50x $200 -
0.07% 0.43x $25 -
0.07% 0.43x $2,500 -
Valley First
Restrictions
0.07% 0.43x $1,000 -
0.07% 0.43x $100 -
Mocse
Restrictions
0.06% 0.37x $25,000 -
Justice
Restrictions
0.05% 0.31x $2,500 -
Pentagon
Restrictions
0.05% 0.31x $1 -
Pasadena
Restrictions
0.05% 0.31x $1 -
Star Usa
Restrictions
0.05% 0.31x $5 -
Pacific Crest
Restrictions
0.05% 0.31x $1,000 -
La Financial
Restrictions
0.05% 0.31x $500 -
Kinecta
Restrictions
0.05% 0.31x $5 -
Sesloc
Restrictions
0.05% 0.31x $2,500 -
Strata
Restrictions
0.05% 0.31x $2,500 -
Partners 1st
Restrictions
0.05% 0.31x $500 -
Sun Community
Restrictions
0.05% 0.31x $50 -
Mokelumne
Restrictions
0.05% 0.31x $500 -
Central Coast
Restrictions
0.05% 0.31x $10,000 -
Edwards
Restrictions
0.05% 0.31x $25 -
Smw 104
Restrictions
0.05% 0.31x $250 -
Xceed Financial
Restrictions
0.05% 0.31x $5 -
Scient
Restrictions
0.05% 0.31x $5 -
United Local
Restrictions
0.05% 0.31x $2,000 -
California
Restrictions
0.05% 0.31x $100 -
San Diego County
Restrictions
0.05% 0.31x $100 -
0.05% 0.31x $10 -
San Mateo
Restrictions
0.05% 0.31x $50 -
0.05% 0.31x $100 -
0.05% 0.31x $2,500 -
Uncle
Restrictions
0.05% 0.31x $100 -
0.05% 0.31x $100 -
California Coast
Restrictions
0.05% 0.31x $50 -
Sierra Central
Restrictions
0.05% 0.31x $1 -
Baxter
Restrictions
0.05% 0.31x $5 -
0.05% 0.31x $5 -
First Imperial
Restrictions
0.05% 0.31x $5 -
Cabrillo
Restrictions
0.05% 0.31x $1 -
Travis
Restrictions
0.05% 0.31x $100 -
Ventura County
Restrictions
0.05% 0.31x $25 -
Media City
Restrictions
0.05% 0.31x $500 -
Patelco
Restrictions
0.05% 0.31x $1 -
South Bay
Restrictions
0.05% 0.31x $2,500 -
Monterey
Restrictions
0.05% 0.31x $1 -
Coasthills
Restrictions
0.05% 0.31x $5 -
Clearpath
Restrictions
0.04% 0.25x $1 -
0.04% 0.25x $25 -
0.04% 0.25x $100 -
Mocse
Restrictions
0.04% 0.22x $10,000 -
0.03% 0.19x $500 -
Yolo
Restrictions
0.03% 0.19x $100 -
Central Coast
Restrictions
0.03% 0.19x $2,500 -
0.03% 0.19x $25 -
Provident
Restrictions
0.03% 0.19x $5 -
Point Loma
Restrictions
0.03% 0.19x $2,500 -
Mocse
Restrictions
0.03% 0.16x $2,500 -
0.03% 0.16x $100 -
Pacific Crest
Restrictions
0.02% 0.12x $5 -
Central Coast
Restrictions
0.02% 0.12x $100 -
Inova
Restrictions
0.01% 0.06x $15 -
All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.


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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION


Credit Union Savings Accounts 2020

Credit union savings accounts (also sometimes called share certificates or money market accounts) are savings vehicles that are offered by credit unions. Many Americans enjoy performing their banking transactions with credit unions as they are technically member-owned and may have branches close by. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions do have limited fields of membership – you must be a resident of a certain area or have a family member who was employed by a certain company. Other credit unions will have fields of membership that are virtually open ended (eg. must love life, etc.). If you find a credit union that interests you because of a rate or a service or a location, but are unsure if you qualify for membership, it is often worth reaching out to the credit union to discuss the parameters of the field of membership and whether there may be other ways in which you may qualify for membership.

Unlike online banks and even many local banks, all but the largest credit unions often lack robust online banking features. If you are interested in online banking, be sure to ask your credit unions about the online and mobile services they offer.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.