Credit union · NCUA insured
Aspen Federal Credit Union Savings Rates
Top CarrotAspen Federal Credit Union’s best savings rate is 3.00% APY, with its Free Kasasa Saver, with extra requirements. Rates checked October 22, 2026.
How Aspen Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Rapid City, SD, where Aspen Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Aspen Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Free Kasasa Saver
Top rate
Highmark Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
3rd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Free Kasasa Saver
Up to 3.00%APY
Must have a linked Kasasa Cash or Kasasa Cash Back checking account to build automatic savings. Earning the highest rate requires meeting monthly qualification cycle activities in linked checking (at least 12 debit card purchases > $4.99, at least 1 direct deposit or ACH credit, and enrolled in E-Statements). No monthly maintenance fee. No minimum balance to earn rewards.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000When qualifications in linked Kasasa Cash or Kasasa Cash Back account are met. Rate is 2.96% (2.9595% dividend rate). | 3.00% | $300 | When qualifications in linked Kasasa Cash or Kasasa Cash Back account are met. Rate is 2.96% (2.9595% dividend rate). |
| Any balanceWhen qualifications in linked checking account are not met. Dividend rate of 0.05% (0.0499%) on entire average daily balance. | 0.05% | $5 | When qualifications in linked checking account are not met. Dividend rate of 0.05% (0.0499%) on entire average daily balance. |
Sources (2)
All captured Sep 19, 2026
Who can join Aspen 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work, worship, attend school in, or own a business located in Pennington, Meade, Lawrence, or Custer County, South Dakota are eligible for membership.
Family and household
- Individuals with a family member who is an existing member of Aspen FCU are eligible for membership.
Cost to join
- An opening deposit of $25 is required to purchase a share of the credit union upon becoming a member.
Membership information collected October 4, 2026.