Credit union · NCUA insured
Ashland Credit Union Savings Rates
Ashland Credit Union’s best savings rate is 0.50% APY on $10,000, with its VISA Builder Savings. Rates checked October 22, 2026.
How Ashland Credit Union’s savings rates compare
Compared with banks and credit unions near Huntington, WV-KY-OH, where Ashland Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ashland Credit Union
1.75%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $175
Premium Savings
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
CommunityAmerica Credit Union
3.20%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
Ashland Credit Union savings score
84
Savings score
Higher than 65% 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%
- QualifiedQualified1.75%
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 Ashland 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.
Premium Savings
1.75%APY
Accessible at 30,000 ATMs nationwide (checking account required). Variable rates. Dividends compounded daily and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $499Tier 1. No dividends paid. Dividends compounded daily and paid monthly. Variable rate. | 0.00% | — | Tier 1. No dividends paid. Dividends compounded daily and paid monthly. Variable rate. |
| $500 – $9,999Tier 2. Minimum amount to receive APY is $500. Dividends compounded daily and paid monthly. Variable rate. | 1.50% | — | Tier 2. Minimum amount to receive APY is $500. Dividends compounded daily and paid monthly. Variable rate. |
| $10,000 – $49,999Tier 3. Minimum amount to receive APY is $10,000. Dividends compounded daily and paid monthly. Variable rate. | 1.75% | $175 | Tier 3. Minimum amount to receive APY is $10,000. Dividends compounded daily and paid monthly. Variable rate. |
| $50,000 – $99,999Tier 4. Minimum amount to receive APY is $50,000. Dividends compounded daily and paid monthly. Variable rate. | 2.00% | — | Tier 4. Minimum amount to receive APY is $50,000. Dividends compounded daily and paid monthly. Variable rate. |
| $100,000 and upTier 5. Minimum amount to receive APY is $100,000. Dividends compounded daily and paid monthly. Variable rate. | 2.25% | — | Tier 5. Minimum amount to receive APY is $100,000. Dividends compounded daily and paid monthly. Variable rate. |
Sources (1)
- ashlandcu.org/personal/save/personal-savings-accounts · captured Oct 5, 2026
Regular Shares
0.50%APY
Required for membership. Dividends paid quarterly. Accessible at 30,000 ATMs nationwide (checking account required).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends compounded and paid quarterly. Variable rate. $25.00 minimum balance to earn dividends/stated APY.$25 and up | 0.50% | $50 | Dividends compounded and paid quarterly. Variable rate. $25.00 minimum balance to earn dividends/stated APY. |
Sources (1)
- ashlandcu.org/personal/save/personal-savings-accounts · captured Oct 5, 2026
VISA Builder Savings
0.50%APY
Requires opening deposit of $0 to earn stated APY. After balance reaches $500, a VISA ONE Credit Card with a $500 credit limit is issued and funds are frozen. Credit limit can be increased in multiples of $500 as additional savings tiers are reached.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and paid quarterly. Variable rate. Minimum balance to open account and earn stated APY is $0.Any balance | 0.50% | $50 | Dividends compounded and paid quarterly. Variable rate. Minimum balance to open account and earn stated APY is $0. |
Sources (1)
- ashlandcu.org/personal/borrow/…-visa-cards/visa-builder · captured Oct 5, 2026
Special-purpose accounts
2026 Christmas Club
4.00%APY
Term: 11/01/25 - 10/31/26. Annual posting date is November 1st. No minimum opening deposit required. Stated rate applies to only the first $5,000 on deposit; funds over that amount earn the regular share dividend rate in effect at posting date. A $25.00 fee is assessed for all withdrawals other than to close the account or pay out the annual balance on the posting date.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Applies to the first $5,000 deposited. Dividends compounded and paid annually on November 1st. Minimum balance required to open account and earn stated APY is $0. Funds over $5,000 earn the regular share dividend rate in effect at posting date.Up to $5,000 | 4.00% | — | Applies to the first $5,000 deposited. Dividends compounded and paid annually on November 1st. Minimum balance required to open account and earn stated APY is $0. Funds over $5,000 earn the regular share dividend rate in effect at posting date. |
Sources (1)
- ashlandcu.org/personal/save/club-accounts · captured Oct 5, 2026
2027 Vacation Club
4.00%APY
Term: 05/01/26 - 04/30/27. Annual posting date is May 1st. No minimum opening deposit required. Stated rate applies to only the first $5,000 on deposit; funds over that amount earn the regular share dividend rate in effect at posting date. A $25.00 fee is assessed for all withdrawals other than to close the account or pay out the annual balance on the posting date.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Applies to the first $5,000 deposited. Dividends compounded and paid annually on May 1st. Minimum balance required to open account and earn stated APY is $0. Funds over $5,000 earn the regular share dividend rate in effect at posting date.Up to $5,000 | 4.00% | — | Applies to the first $5,000 deposited. Dividends compounded and paid annually on May 1st. Minimum balance required to open account and earn stated APY is $0. Funds over $5,000 earn the regular share dividend rate in effect at posting date. |
Sources (1)
- ashlandcu.org/personal/save/club-accounts · captured Oct 5, 2026
Health Savings Account
2.00%APY
Must be covered by a High Deductible Health Plan (HDHP) and not covered by any other medical plan that is not an HDHP. Initial setup fee of $15 is waived with an Ashland CU checking account. No monthly account maintenance fees. No withdrawal fees or account transfer fees. $25 minimum for check withdrawals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends compounded daily and credited/paid monthly. Variable rate. Initial setup fee of $15 is waived with an Ashland CU checking account. $50 minimum account balance required to earn a dividend.$50 and up | 2.00% | $200 | Dividends compounded daily and credited/paid monthly. Variable rate. Initial setup fee of $15 is waived with an Ashland CU checking account. $50 minimum account balance required to earn a dividend. |
Sources (1)
- ashlandcu.org/personal/save/health-savings-accounts · captured Oct 5, 2026
Who can join Ashland 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, work, worship, or attend school in Bluegrass Area Development District (Kentucky counties of Anderson, Bourbon, Boyle, Clark, Estill, Fayette, Franklin, Garrard, Harrison, Jessamine, Lincoln, Madison, Mercer, Nicholas, Powell, Scott, and Woodford) are eligible for membership.
- Individuals who live, work, worship, or attend school in FIVCO Area Development District (Kentucky counties of Boyd, Carter, Elliott, Greenup, and Lawrence) are eligible for membership.
- Individuals who live, work, worship, or attend school in the Minnesota counties of Washington, Dakota, Ramsey, or Hennepin are eligible for membership.
Employers and groups
- Individuals currently or previously employed by one of Ashland Credit Union's sponsor companies/employer groups are eligible for membership.
Family and household
- Immediate family members of eligible individuals are eligible for membership.
Membership information collected October 4, 2026.