Credit union · NCUA insured
Aspire Credit Union Savings Rates
Top CarrotAspire Credit Union’s best savings rate is 0.50% APY on $10,000, with its Bonus Shares. Rates checked October 22, 2026.
How Aspire Credit Union’s savings rates compare
Compared with banks and credit unions near Minot, ND, where Aspire Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Aspire Credit Union
0.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $50
Bonus Shares
Top rate
Tel-U-Watt Federal Credit Union
3.25%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $325
2nd-highest rate
Dakota West Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $300
Aspire Credit Union savings score
80
Savings score
Higher than 50% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.60%
- 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 Aspire 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.
Bonus Shares
0.50%APY
Tier-rated for interest rate. Higher interest rate for savings. Minimum balance of $500.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 – $25,000 | 0.50% | $50 |
| $25,000 – $150,000 | 0.60% | — |
| $150,000 and up | 0.80% | — |
Share Savings
0.10%APY
Required for credit union membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $15 and up | 0.10% | $10 |
Voluntary Escrow Shares
0.00%APY
Save separately for property taxes and home insurance. Not attached to mortgage. No minimum balance required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.00% | $0 |
Special-purpose accounts
Traditional/Roth/Educational Savings Accounts
Up to 4.05%APY · 2 terms
Fixed-term savings accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 36 months**The 36, 48, and 60 month certificates have a One Time Bump option on the interest rate after 12, months. These certificates are not automatically renewable | 4.05% | $1,265 |
Sources (1)
- aspire.creditunion/rates · captured Oct 22, 2026
IRA/ESA Daily Savings
0.50%APY
Aspire Credit Union offers Traditional and Roth IRA options and Coverdell ESAs (Educational Savings Accounts).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Christmas Club
0.10%APY
Save separately for Christmas. Funds transferred into checking account in November. No fees for early withdrawal. No minimum balance required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Who can join Aspire 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 Bottineau, McHenry, McLean, Mountrail, Renville, or Ward counties of North Dakota, as well as businesses, other legal entities, and organizations of such persons located there, are eligible for membership.
Family and household
- Immediate family members or household members of existing credit union members are eligible for membership.
Membership information collected October 4, 2026.