Credit union · NCUA insured
Austin FCU Savings Rates
Austin FCU’s best savings rate is 0.25% APY, with its Step-Up Savings, with extra requirements. Rates checked October 16, 2026.
How Austin FCU’s savings rates compare
Compared with banks and credit unions near Austin, TX, where Austin FCU has the most branches. $10,000, best rate first.
This credit union’s best
Austin FCU
0.25%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $25
Step-Up Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nizari Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
Austin FCU savings score
66
Savings score
Higher than 18% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.25%
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 Austin FCU 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.
Step-Up Savings
0.25%APY
Must pair savings with Performance Checking or E-Checking. No monthly maintenance fees. No minimum deposit to open. 2 free withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,000Must pair with Performance Checking or E-Checking. | 0.10% | — | Must pair with Performance Checking or E-Checking. |
| $1,000 – $10,000Must pair with Performance Checking or E-Checking. | 0.25% | $25 | Must pair with Performance Checking or E-Checking. |
| $10,000 – $25,000Must pair with Performance Checking or E-Checking. | 0.35% | — | Must pair with Performance Checking or E-Checking. |
| $25,000 – $100,000Must pair with Performance Checking or E-Checking. | 0.50% | — | Must pair with Performance Checking or E-Checking. |
| Over $100,000Deposits greater than $100,000 pay 0.00%. Must pair with Performance Checking or E-Checking. | 0.00% | — | Deposits greater than $100,000 pay 0.00%. Must pair with Performance Checking or E-Checking. |
Savings (Share) Account
0.10%APY
Ticket to Austin FCU membership. Earns dividends on balances $100 to $100,000. Deposits greater than $100,000 pay 0.00%.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Earn dividends on balances $100 to $100,000. | 0.10% | $10 | Earn dividends on balances $100 to $100,000. |
| Over $100,000Deposits greater than $100,000 pay 0.00%. | 0.00% | — | Deposits greater than $100,000 pay 0.00%. |
Special-purpose accounts
All-Star Savings
1.01%APY
Available to young savers up to age 17. No monthly service fee. No minimum balance requirements. Parent or guardian must be signer on the account if child is 14 or under.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable to savers up to age 17. Competitive dividends on entire balance.Any balance | 1.01% | $101 | Available to savers up to age 17. Competitive dividends on entire balance. |
Individual Retirement Accounts (IRAs)
0.20%APY
Offers Traditional and Roth IRA options. Avoid the $20 annual maintenance fee by meeting two of the following qualifications: have an active debit card (used within 30 days), have an active credit card (used within 30 days), or have a loan of any kind. No setup fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvoid the $20 annual maintenance fee by meeting two qualifications: active debit card within 30 days, active credit card within 30 days, or loan of any kind.Any balance | 0.20% | $20 | Avoid the $20 annual maintenance fee by meeting two qualifications: active debit card within 30 days, active credit card within 30 days, or loan of any kind. |
Holiday Club Accounts
0.00%APY
No monthly maintenance fees. No minimum deposit to open.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.00% | $0 |
Who can join Austin FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, volunteers, or attends school in the designated South / Southeast Austin community map area.
Family and household
- Family members of eligible individuals can qualify to join.
Membership information collected October 5, 2026.