Credit union · NCUA insured
Ark Valley Credit Union Savings Rates
Ark Valley Credit Union’s best savings rate is 0.50% APY on $10,000, with its Share Savings. Rates checked October 5, 2026.
How Ark Valley Credit Union’s savings rates compare
Compared with banks and credit unions near Arkansas City, KS, where Ark Valley Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ark Valley Credit Union
0.50%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $50
Share Savings
Top rate
Community National Bank & Trust
1.91%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $191
2nd-highest rate
Union State Bank
1.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $100
Ark Valley Credit Union savings score
79
Savings score
Higher than 48% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.50%
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 Ark Valley 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.
Share Savings
0.50%APY
Minimum $5.00 to purchase your share of the Credit Union; interest earned on balances over $250.00; dividends paid quarterly; $5.00 fee if account is closed within 90 days of opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upInterest earned on balances over $250.00; dividends paid quarterly; $5.00 fee if account is closed within 90 days of opening.$250 and up | 0.50% | $50 | Interest earned on balances over $250.00; dividends paid quarterly; $5.00 fee if account is closed within 90 days of opening. |
Sources (3)
All captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
1.51%APY
Traditional, Roth, and Education IRA options available; $5.00 minimum opening balance; interest earned on balances over $250.00; dividends paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upTraditional, Roth, and Education IRAs; interest earned on balances over $250.00; dividends paid quarterly.$250 and up | 1.51% | $151 | Traditional, Roth, and Education IRAs; interest earned on balances over $250.00; dividends paid quarterly. |
Sources (3)
- arkvalleycu.org/service/indivi…retirement-accounts-iras
- arkvalleycu.org/share-rates
- arkvalleycu.org/savings
All captured Sep 18, 2026
Christmas Savings Accounts
0.50%APY
Minimum $5.00 opening balance; deposits from Nov. 1 to Oct. 31; withdrawals prior to Oct. 31 will have a $10.00 fee; funds disbursed/deposited into designated account on November 1; interest paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDeposits from Nov. 1- Oct. 31; withdrawals prior to Oct. 31 will have a $10.00 fee; interest paid quarterly; amounts will be deposited into designated account on November 1.Any balance | 0.50% | $50 | Deposits from Nov. 1- Oct. 31; withdrawals prior to Oct. 31 will have a $10.00 fee; interest paid quarterly; amounts will be deposited into designated account on November 1. |
Sources (3)
- arkvalleycu.org/service/christmas-savings-accounts
- arkvalleycu.org/share-rates
- arkvalleycu.org/savings
All captured Sep 18, 2026
Mini Millionaire- Youth
0.50%APY
For members age 0-12; minimum $5.00 to open/purchase share of Credit Union; no minimum balance required to earn dividends; dividends paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required to earn dividends; dividends paid quarterly; for youth age 0-12.Any balance | 0.50% | $50 | No minimum balance required to earn dividends; dividends paid quarterly; for youth age 0-12. |
Sources (3)
All captured Sep 18, 2026
Who can join Ark Valley Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Butler County, KS are eligible for membership.
- Individuals who live or work in Chautauqua County, KS are eligible for membership.
- Individuals who live or work in Cowley County, KS are eligible for membership.
- Individuals who live or work in Elk County, KS are eligible for membership.
- Individuals who live or work in Sumner County, KS are eligible for membership.
Family and household
- Immediate family members of a current Ark Valley Credit Union member (including spouses, siblings/stepsiblings, children/stepchildren, parents/stepparents, and grandparents/grandchildren) are eligible for membership.
Cost to join
- Opening an account requires an initial share savings deposit of $5.00.
Membership information collected October 4, 2026.