Credit union · NCUA insured
Area Federal Credit Union Savings Rates
Area Federal Credit Union’s best savings rate is 1.26% APY on $10,000, with its Super Savings Account. Rates checked October 22, 2026.
How Area Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Watertown, SD, where Area Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Area Federal Credit Union
1.26%APY
- Minimum
- —
- Earns on $10,000 a year
- $126
Super Savings Account
Top rate
Sioux Valley Co-op Federal Credit Union
2.85%APY
- Minimum
- —
- Earns on $10,000 a year
- $285
2nd-highest rate
Dacotah Bank
1.50%APY
- Minimum
- $100
- Earns on $10,000 a year
- $150
Area Federal Credit Union savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0001.26%
- $10,000 balance$10,0001.26%
- $100,000 balance$100,0001.26%
- QualifiedQualified1.26%
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 Area 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.
Super Savings Account
Up to 1.26%APY
Dividends earned on average daily balance and paid monthly. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.01% | $101 |
| $1,000 and up | 1.26% | $126 |
Regular Shares
1.01%APY
Basic membership savings account. Dividends earned on average daily balance and paid monthly. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 1.01% | $101 |
Secondary Shares
0.75%APY
Dividends earned on average daily balance and paid monthly. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.75% | $75 |
Special-purpose accounts
Individual Retirement Account
2.53%APY
Available as Traditional, Roth, or Educational IRA savings accounts. Dividends earned on average daily balance and paid monthly. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 2.53% | $253 |
Christmas Club Account
0.40%APY
Interest is applied on October 31st and the balance is automatically transferred to regular savings account. No monthly maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest applied on October 31st and balance transferred to regular savings.Any balance | 0.40% | $40 | Interest applied on October 31st and balance transferred to regular savings. |
Sources (1)
- areafcu.org/share-accounts · captured Oct 15, 2026
Who can join Area Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Brown, Codington, Day, Edmunds, Spink, and Walworth County is eligible for membership.
Family and household
- Immediate family members of eligible groups are welcome to join Area Federal Credit Union.
Membership information collected October 4, 2026.