Credit union · NCUA insured
705 FCU Savings Rates
Top Carrot705 FCU’s best savings rate is 1.00% APY on $10,000, with its Super Green. Rates checked October 16, 2026.
How 705 FCU’s savings rates compare
Compared with banks and credit unions near Lafayette, LA, where 705 FCU has the most branches. $10,000, best rate first.
This credit union’s best
705 FCU
1.00%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $100
Super Green
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Home Bank
3.04%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $304
705 FCU savings score
85
Savings score
Higher than 71% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.50%
- QualifiedQualified1.00%
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 705 FCU 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.
Super Green
1.00%APY
Minimum deposit of $1,000 to open. Daily balance method used for compounding. If balance falls below minimum, funds may be transferred to a Regular Share account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $10,000 | 0.75% | — |
| $10,000 – $25,000 | 1.00% | $100 |
| $25,000 – $50,000 | 1.25% | — |
| $50,000 and up | 1.50% | — |
Sources (3)
- 705fcu.com/products-services/disclosures
- 705fcu.com/borrow/rates
- 705fcu.com/save/savings-account-types
All captured Sep 18, 2026
Regular Share
0.25%APY
Membership eligibility required. Requires maintaining $25 minimum balance (par value of one share). Must have a minimum balance of $100 to earn interest/dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100.00 minimum average daily balance required to earn interest.$100 and up | 0.25% | $25 | $100.00 minimum average daily balance required to earn interest. |
Sources (3)
- 705fcu.com/products-services/disclosures
- 705fcu.com/borrow/rates
- 705fcu.com/save/savings-account-types
All captured Sep 18, 2026
Special-purpose accounts
Traditional IRA
0.76%APY
Traditional IRA savings plan offering tax-deferred earnings. Must earn compensation and not reach age 70 1/2 by the end of the year. Average daily balance method used to calculate dividends. Par value of $25 required to open.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.76% | $76 |
Sources (3)
All captured Sep 18, 2026
Youth Savings Account
0.25%APY
For younger members between the age of 0 and 17. Same structure as Regular Share account. Par value of $25 required to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upShares rate structure with Regular Share; minimum $100 required to earn interest.$100 and up | 0.25% | $25 | Shares rate structure with Regular Share; minimum $100 required to earn interest. |
Sources (4)
- 705fcu.com/products-services/mini-members
- 705fcu.com/products-services/disclosures
- 705fcu.com/save/savings-account-types
- 705fcu.com/borrow/rates
All captured Sep 18, 2026
Christmas Club
0.00%APY
Club account designed for holiday savings; balance pays out once each year on or after October 31 (transferred automatically to checking on November 1). Par value of $25 required to open account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.00% | $0 |
Sources (3)
- 705fcu.com/products-services/disclosures
- 705fcu.com/borrow/rates
- 705fcu.com/save/savings-account-types
All captured Sep 18, 2026
Vacation Club
0.00%APY
Club account designed to save for vacation; balance pays out once a year on or after May 31 (transferred automatically to checking on June 1). Par value of $25 required to open account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.00% | $0 |
Sources (3)
- 705fcu.com/products-services/disclosures
- 705fcu.com/borrow/rates
- 705fcu.com/save/savings-account-types
All captured Sep 18, 2026
Who can join 705 FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Current and retired employees of partner Select Employer Groups (SEGs) are eligible for membership.
Military, government and schools
- Current and retired employees of specified federal government entities and the USPS in the 705 Zip Code Area are eligible for membership.
- Current and retired employees of eligible local government entities (such as Lafayette Clerk of Court, Iberia Clerk of Court, City of Carencro, and contracted Lafayette Sheriff Department deputies) are eligible for membership.
Family and household
- Family members of a current 705 FCU member and spouses of deceased employees who qualified for membership are eligible to join.
Cost to join
- Members must maintain a $25 share deposit in their savings account at all times.
Membership information collected October 5, 2026.