Credit union · NCUA insured
1st United Credit Union Savings Rates
1st United Credit Union’s best savings rate is 0.10% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How 1st United Credit Union’s savings rates compare
Compared with banks and credit unions near San Francisco, CA, where 1st United Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
1st United Credit Union
2.20%APY
- Requires
- Monthly account activity
- Minimum
- $2,000
- Earns on $10,000 a year
- $220
High Yield Savings Account
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
1st United Credit Union savings score
75
Savings score
Higher than 38% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.25%
- QualifiedQualified2.20%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where 1st United Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High Yield Savings Account
2.20%APY
Requires a $2,000 minimum opening balance. Qualifications to receive higher tier monthly dividends on average daily balances over $2,000 include combined ACH direct deposits totaling $500 each month to any eligible share account and 15 or more combined debit or credit purchase transactions posted by the last day of the month (ATM and savings debit transactions do not qualify). If qualifications are not met or the minimum daily balance is less than $2,000, the account will earn the lowest dividend tier.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Earned on balances $0.00 - $1,999.99 or when monthly qualifications / minimum daily balance are not met. | 0.30% | — | Earned on balances $0.00 - $1,999.99 or when monthly qualifications / minimum daily balance are not met. |
| $2,000 – $100,000Requires meeting monthly qualifications: combined ACH direct deposits totaling $500 each month and 15 or more combined debit or credit purchase transactions posted by the last day of the month. | 2.20% | $220 | Requires meeting monthly qualifications: combined ACH direct deposits totaling $500 each month and 15 or more combined debit or credit purchase transactions posted by the last day of the month. |
| $100,000 – $250,000Requires meeting monthly qualifications: combined ACH direct deposits totaling $500 each month and 15 or more combined debit or credit purchase transactions posted by the last day of the month. | 2.70% | — | Requires meeting monthly qualifications: combined ACH direct deposits totaling $500 each month and 15 or more combined debit or credit purchase transactions posted by the last day of the month. |
| $250,000 and upRequires meeting monthly qualifications: combined ACH direct deposits totaling $500 each month and 15 or more combined debit or credit purchase transactions posted by the last day of the month. | 3.40% | — | Requires meeting monthly qualifications: combined ACH direct deposits totaling $500 each month and 15 or more combined debit or credit purchase transactions posted by the last day of the month. |
Sources (3)
All captured Oct 6, 2026
Money Market Account
0.10%APY
Dividends are paid monthly based on average daily balance. $1,000 minimum balance required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $10,000 | 0.10% | — |
| $10,000 – $25,000 | 0.10% | $10 |
| $25,000 – $50,000 | 0.15% | — |
| $50,000 – $100,000 | 0.20% | — |
| $100,000 – $250,000 | 0.25% | — |
| $250,000 – $500,000 | 0.30% | — |
| $500,000 and up | 0.30% | — |
Sources (2)
All captured Oct 6, 2026
Miscellaneous Savings
0.03%APY
Dividend-earning savings account that can be nicknamed within online banking for specific savings goals. Dividends are paid monthly based on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate schedule listed under Regular Savings (Includes IRA, Holiday and Miscellaneous). Dividends are paid monthly based on average daily balance.Any balance | 0.03% | $3 | Rate schedule listed under Regular Savings (Includes IRA, Holiday and Miscellaneous). Dividends are paid monthly based on average daily balance. |
Sources (2)
All captured Oct 6, 2026
Regular Savings
0.03%APY
A $5 savings account is required to start and maintain Credit Union membership. Dividends are paid monthly based on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid monthly based on average daily balance.Any balance | 0.03% | $3 | Dividends are paid monthly based on average daily balance. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Holiday Savings Account
0.03%APY
Funds in your holiday savings account are automatically transferred into your regular savings account before the holidays. Dividends are paid monthly based on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate schedule listed under Regular Savings (Includes IRA, Holiday and Miscellaneous). Dividends are paid monthly based on average daily balance.Any balance | 0.03% | $3 | Rate schedule listed under Regular Savings (Includes IRA, Holiday and Miscellaneous). Dividends are paid monthly based on average daily balance. |
Sources (2)
All captured Oct 6, 2026
Individual Retirement Account (IRA) Savings
0.03%APY
Traditional and Roth IRA savings accounts. Earnings grow tax-deferred (Traditional) or tax-free (Roth). Dividends are paid monthly based on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate schedule listed under Regular Savings (Includes IRA, Holiday and Miscellaneous). Dividends are paid monthly based on average daily balance.Any balance | 0.03% | $3 | Rate schedule listed under Regular Savings (Includes IRA, Holiday and Miscellaneous). Dividends are paid monthly based on average daily balance. |
Sources (2)
All captured Oct 6, 2026
Youth Savings Account
0.03%APY
Designed for members age 17 and under. Requires an adult joint member/owner. $5 in a regular savings account is required to maintain membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid monthly based on average daily balance.Any balance | 0.03% | $3 | Dividends are paid monthly based on average daily balance. |
Sources (3)
- 1stunitedcu.org/savings-rates
- 1stunitedcu.org/checking-and-s…product/savings-accounts
- 1stunitedcu.org/checking-and-s…s/product/youth-accounts
All captured Oct 6, 2026
Who can join 1st United Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, or attends school in Alameda, Contra Costa, San Joaquin, Solano, Stanislaus, or Kings Counties, California.
Employers and groups
- Membership is open to any member of one of the credit union's Select Employee Groups (SEGs).
Family and household
- Membership is open to any immediate family member of a current primary member related by blood or marriage, including living or not living in the same household.
Membership information collected October 5, 2026.