Credit union · NCUA insured
Arrowhead Credit Union Savings Rates
Arrowhead Credit Union’s best savings rate is 0.35% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Arrowhead Credit Union’s savings rates compare
Compared with banks and credit unions near Riverside, CA, where Arrowhead Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Arrowhead Credit Union
0.35%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $35
Money Market
Top rate
EverBank
4.20%APY
- Minimum
- $0
- Earns on $10,000 a year
- $420
2nd-highest rate
Flagstar Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
Arrowhead Credit Union savings score
74
Savings score
Higher than 35% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.35%
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 Arrowhead 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
0.35%APY
Minimum opening deposit of $2,500. Monthly fee of $10 is waived with an average daily balance of $2,500 or more.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Dividend paid on average daily balance for the month; $10 monthly fee waived with average daily balance of $2,500+. | 0.35% | $35 | Dividend paid on average daily balance for the month; $10 monthly fee waived with average daily balance of $2,500+. |
| $25,000 – $50,000Dividend paid on average daily balance for the month; $10 monthly fee waived with average daily balance of $2,500+. | 0.50% | — | Dividend paid on average daily balance for the month; $10 monthly fee waived with average daily balance of $2,500+. |
| $50,000 – $100,000Dividend paid on average daily balance for the month; $10 monthly fee waived with average daily balance of $2,500+. | 0.60% | — | Dividend paid on average daily balance for the month; $10 monthly fee waived with average daily balance of $2,500+. |
| $100,000 – $250,000Dividend paid on average daily balance for the month; $10 monthly fee waived with average daily balance of $2,500+. | 0.75% | — | Dividend paid on average daily balance for the month; $10 monthly fee waived with average daily balance of $2,500+. |
| $250,000 – $500,000Dividend paid on average daily balance for the month; $10 monthly fee waived with average daily balance of $2,500+. | 1.00% | — | Dividend paid on average daily balance for the month; $10 monthly fee waived with average daily balance of $2,500+. |
| $500,000 and upDividend paid on average daily balance for the month; $10 monthly fee waived with average daily balance of $2,500+. | 1.10% | — | Dividend paid on average daily balance for the month; $10 monthly fee waived with average daily balance of $2,500+. |
Sources (2)
All captured Oct 6, 2026
Arrowhead Savings
0.15%APY
$1 minimum opening deposit and $1 balance to maintain. Dividend paid when average daily balance for the month is $100 or more. No monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $1,000 | 0.05% | — |
| $1,000 – $2,000 | 0.05% | — |
| $2,000 – $5,000 | 0.10% | — |
| $5,000 and up | 0.15% | $15 |
Sources (1)
- arrowheadcu.org/accounts/savings/arrowhead-savings · captured Oct 6, 2026
Special Savings
0.05%APY
Open with as little as $10. Minimum $10 balance to maintain this account. Earn dividends on any balance. No monthly fee and free withdrawals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum $10 balance to maintain this account.Over $0 | 0.05% | $5 | Minimum $10 balance to maintain this account. |
Sources (1)
- arrowheadcu.org/accounts/savings/special-savings · captured Oct 6, 2026
Special-purpose accounts
IRA (Traditional or Roth)
0.35%APY
Open with as little as $100. Available as Traditional or Roth IRA. Fixed rate of return, dividends earned monthly. No annual maintenance fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.35% | $35 |
Sources (2)
All captured Oct 6, 2026
Club Rocky Savings Account
0.15%APY
For children ages 0–12. Includes an Arrowhead Savings account as part of the membership, with a $1 minimum initial deposit and $1 balance to maintain membership. No monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $1,000 | 0.05% | — |
| $1,000 – $2,000 | 0.05% | — |
| $2,000 – $5,000 | 0.10% | — |
| $5,000 and up | 0.15% | $15 |
Sources (2)
All captured Oct 6, 2026
Holiday Club Savings
0.05%APY
Minimum $10 to open and maintain this account. Earn dividends on any balance. Matures each year on November 1. No monthly fee and free withdrawals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum $10 to open and maintain this account. Matures each year on November 1.Over $0 | 0.05% | $5 | Minimum $10 to open and maintain this account. Matures each year on November 1. |
Sources (1)
- arrowheadcu.org/accounts/savings/holiday-club · captured Oct 6, 2026
Who can join Arrowhead Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can qualify for membership by joining Community Impact Fund (CIF) during the application process, with the association membership fee covered by Arrowhead.
- Anyone can qualify for membership by joining the Surfrider Foundation during the application process, with the association membership fee covered by Arrowhead; Arrowhead membership remains active even if not renewed after the initial first year.
Employers and groups
- Employees who work in the specified California locations for designated employers and organizations are eligible for membership.
- Employees who work in or are paid from San Bernardino for Stater Bros. Markets, San Bernardino Community Hospital, or St. Bernardine Hospital are eligible for membership.
- Employees of select employers in Riverside County who work at or are paid from Riverside, CA are eligible for membership.
- Employees who work in or are paid from the specified locations for Commonwealth Casualty Company (Phoenix, Arizona) or Honeyville, Inc (Ogden, Utah) are eligible for membership.
4 more ways to join
Military, government and schools
- California National Guard members and State Employees who work in or are paid from Sacramento, CA are eligible for membership.
- Employees of San Bernardino County who work in or are paid from San Bernardino County are eligible for membership.
- City employees who work in Adelanto, Barstow, Highland, Loma Linda, Montclair, Needles, Rancho Cucamonga, Rialto, or Upland, California are eligible for membership.
Family and household
- Immediate family members of an existing Arrowhead member in good standing qualify for membership (proof of family membership may be required).
Cost to join
- A one-time $4 member entrance fee is required to become a member.
- A $1 initial deposit and minimum balance in an Arrowhead Savings account is required.
Membership information collected October 5, 2026.