Credit union · NCUA insured
1st University CU Savings Rates
1st University CU’s best savings rate is 0.10% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How 1st University CU’s savings rates compare
Compared with banks and credit unions near Waco, TX, where 1st University CU has the most branches. $10,000, best rate first.
This credit union’s best
1st University CU
0.10%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $10
Money Market
Top rate
Texell Credit Union
3.50%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $350
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
1st University CU savings score
63
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.00%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.10%
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 University CU 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.
Money Market
0.10%APY
Requires membership with 1st University CU ($5.00 par value share). Minimum opening balance is $2,500. $10 monthly service fee waived by maintaining a $2,500 average daily balance. Maximum of 6 checks/transfers per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,500 – $5,000Dividends calculated on average daily balance and paid monthly. $10 monthly service fee if average daily balance is below $2,500. Minimum balance to earn APY is $1,500. | 0.00% | — | Dividends calculated on average daily balance and paid monthly. $10 monthly service fee if average daily balance is below $2,500. Minimum balance to earn APY is $1,500. |
| $5,000 – $40,000Dividends calculated on average daily balance and paid monthly. $10 monthly service fee if average daily balance is below $2,500. | 0.10% | $10 | Dividends calculated on average daily balance and paid monthly. $10 monthly service fee if average daily balance is below $2,500. |
| $40,000 and upDividends calculated on average daily balance and paid monthly. $10 monthly service fee if average daily balance is below $2,500. | 0.50% | — | Dividends calculated on average daily balance and paid monthly. $10 monthly service fee if average daily balance is below $2,500. |
Electronic Savings
0.03%APY
Membership required with purchase and maintenance of 1 share ($5.00 par value). Dividends calculated on average daily balance and paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.00% | — |
| $5,000 – $10,000 | 0.01% | — |
| $10,000 – $10,000,000 | 0.03% | $3 |
| $10,000,000 and up | 0.04% | — |
Regular Savings
0.03%APY
Membership required with purchase and maintenance of 1 share ($5.00 par value). Dividends calculated on average daily balance and paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.00% | — |
| $5,000 – $10,000 | 0.01% | — |
| $10,000 – $10,000,000 | 0.03% | $3 |
| $10,000,000 and up | 0.04% | — |
Secondary Savings
0.03%APY
Membership required with purchase and maintenance of 1 share ($5.00 par value). Dividends calculated on average daily balance and paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.00% | — |
| $5,000 – $10,000 | 0.01% | — |
| $10,000 – $10,000,000 | 0.03% | $3 |
| $10,000,000 and up | 0.04% | — |
Who can join 1st University CU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.