Credit union · NCUA insured
AFL-CIO Employees Federal Credit Union Savings Rates
AFL-CIO Employees Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market Accounts. Rates checked October 22, 2026.
How AFL-CIO Employees Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where AFL-CIO Employees Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
AFL-CIO Employees Federal Credit Union
0.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $25
Money Market Accounts
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
AFL-CIO Employees Federal Credit Union savings score
71
Savings score
Higher than 28% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.90%
- QualifiedQualified0.25%
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 AFL-CIO Employees Federal 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.
Money Market Accounts
0.25%APY
Dividends are compounded and credited quarterly. Minimum to earn APY on Savings is $100.01.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $9,999Minimum to earn APY is $100.01. Dividends are compounded and credited quarterly. | 0.05% | — | Minimum to earn APY is $100.01. Dividends are compounded and credited quarterly. |
| $10,000 – $24,999Minimum to earn APY is $100.01. Dividends are compounded and credited quarterly. | 0.25% | $25 | Minimum to earn APY is $100.01. Dividends are compounded and credited quarterly. |
| $25,000 – $49,999Minimum to earn APY is $100.01. Dividends are compounded and credited quarterly. | 0.45% | — | Minimum to earn APY is $100.01. Dividends are compounded and credited quarterly. |
| $50,000 – $99,999Minimum to earn APY is $100.01. Dividends are compounded and credited quarterly. | 0.75% | — | Minimum to earn APY is $100.01. Dividends are compounded and credited quarterly. |
| $100,000 and upMinimum to earn APY is $100.01. Dividends are compounded and credited quarterly. | 0.90% | — | Minimum to earn APY is $100.01. Dividends are compounded and credited quarterly. |
Sources (1)
- aflcioefcu.org/savings-rates · captured Oct 3, 2026
Money Market Accounts
0.25%APY
Write yourself a check or transfer funds when needed. Dividends are compounded and credited quarterly. Rate is subject to change without advance notice.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $9,999Minimum to earn APY on Savings is $100.01. Annual Balance Range: $100.01 - $9,999. Dividends are compounded and credited quarterly. | 0.05% | — | Minimum to earn APY on Savings is $100.01. Annual Balance Range: $100.01 - $9,999. Dividends are compounded and credited quarterly. |
| $10,000 – $24,999Minimum to earn APY on Savings is $100.01. Annual Balance Range: $10,000 - $24,999. Dividends are compounded and credited quarterly. | 0.25% | $25 | Minimum to earn APY on Savings is $100.01. Annual Balance Range: $10,000 - $24,999. Dividends are compounded and credited quarterly. |
| $25,000 – $49,999Minimum to earn APY on Savings is $100.01. Annual Balance Range: $25,000 - $49,999. Dividends are compounded and credited quarterly. | 0.45% | — | Minimum to earn APY on Savings is $100.01. Annual Balance Range: $25,000 - $49,999. Dividends are compounded and credited quarterly. |
| $50,000 – $99,999Minimum to earn APY on Savings is $100.01. Annual Balance Range: $50,000 - $99,999. Dividends are compounded and credited quarterly. | 0.75% | — | Minimum to earn APY on Savings is $100.01. Annual Balance Range: $50,000 - $99,999. Dividends are compounded and credited quarterly. |
| $100,000 and upMinimum to earn APY on Savings is $100.01. Annual Balance Range: $100,000 > Above. Dividends are compounded and credited quarterly. | 0.90% | — | Minimum to earn APY on Savings is $100.01. Annual Balance Range: $100,000 > Above. Dividends are compounded and credited quarterly. |
Regular Share Savings Account
0.05%APY
Dividends are compounded and credited quarterly. Rate is subject to change without advance notice.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $100Minimum to earn APY is $100.01. Annual Balance Range: Over $5. Dividends are compounded and credited quarterly.Over $100 | 0.05% | $5 | Minimum to earn APY is $100.01. Annual Balance Range: Over $5. Dividends are compounded and credited quarterly. |
Special-purpose accounts
Holiday & Vacation Club Accounts
0.05%APY
Funds are mailed as a check or transferred into Regular Share Savings account in early November. Dividends are compounded and credited quarterly. Rate is subject to change without advance notice.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $100Minimum to earn APY is $100.01. Annual Balance Range: Over $5. Dividends are compounded and credited quarterly.Over $100 | 0.05% | $5 | Minimum to earn APY is $100.01. Annual Balance Range: Over $5. Dividends are compounded and credited quarterly. |
Individual Retirement Accounts
0.05%APY
Offers Traditional, Roth, and Educational IRA options. Dividends are compounded and credited quarterly. Rates are subject to change without advance notice.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $100Account Type: Traditional, Roth, or Educational. Minimum to earn APY is $100.01. Dividends are compounded and credited quarterly.Over $100 | 0.05% | $5 | Account Type: Traditional, Roth, or Educational. Minimum to earn APY is $100.01. Dividends are compounded and credited quarterly. |
Who can join AFL-CIO Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the AFL-CIO (American Federation of Labor and Congress of Industrial Organizations) and its departments who are paid from the National Office in Washington, D.C. are eligible to join.
- Employees of a state or local central labor body are eligible to join.
- Employees of a constitutional department of the AFL-CIO are eligible to join.
- Employees of AFL-CIO-affiliated International Unions (excluding CWA, UAW, and TWUA) and employees of AFL-CIO State and Local Central Bodies working in the United States are eligible to join.
- Members of International Union of Painters Allied Trades (IUPAT)-District Council 51 are eligible to join.
- Members of the National Football League Players Association (NFLPA) are eligible to join.
8 more ways to join
Employers and groups
- Members of Office and Professional Employees International Union (OPEIU)-Local 2 are eligible to join.
- Members of Washington-Baltimore News Guild- TNG-CWA- Local 32035 are eligible to join.
- Members of United Food and Commercial Workers Union (UFCW)-Local 2013 are eligible to join.
- Members of United Food and Commercial Workers Union (UFCW)-Local 400 are eligible to join.
Military, government and schools
- Members of the American Federation of Teachers (AFT) are eligible to join.
- Members of the American Postal Workers Union (APWU) are eligible to join.
Family and household
- Immediate family members (spouse, children, siblings, parents, grandparents, grandchildren, stepparents, stepchildren, stepsiblings, and adoptive relationships, regardless of where they live) and household members of existing credit union members are eligible to join.
Other ways
- Individuals retired from any eligible field of membership are eligible to join.
Cost to join
- Lifetime membership is established by opening a Regular Share Savings Account with a minimum deposit of $5.
Membership information collected October 4, 2026.