Avadian Credit Union High-Yield Savings & Money Market Rates

How Avadian Credit Union’s savings rates compare

Compared with banks and credit unions near Birmingham, AL, where Avadian Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Avadian Credit Union
3.50%APY
Requires
Monthly account activity
Minimum
—
Earns on $10,000 a year
$350
High-Yield Savings
Top rate
Guardian Credit Union
4.00%APY
Requires
Monthly account activity
Minimum
$10
Earns on $10,000 a year
$400
Guardian Credit Union rates
2nd-highest rate
SouthPoint Bank
4.00%APY
Requires
None
Minimum
$10,000
Earns on $10,000 a year
$400
SouthPoint Bank rates

Compare savings rates near you →

Savings score

Higher than 76% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.05%
$10,000 balance$10,0001.00%
$100,000 balance$100,0002.50%
QualifiedQualified3.50%

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.

How the score works →

Where Avadian 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.

Centsible Savings

1.00%APY

Must have an Avadian checking account and debit card to open. Requires enrollment in e-Statements to receive contribution matches (25% initial match for first 30 days, 5% quarterly thereafter, up to $250/year). Cannot make deposits or transfers into the account.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,000Quarterly dividend based on average daily balance at the end of each quarter.	7.00%	—	Quarterly dividend based on average daily balance at the end of each quarter.
Over $1,000Quarterly dividend based on average daily balance at the end of each quarter.	1.00%	$100	Quarterly dividend based on average daily balance at the end of each quarter.

Sources (4)

All captured Oct 5, 2026

High-Yield Savings

3.50%APYRequirements apply

Limit one High-Yield Savings account per Primary member. Must be enrolled in e-Statements and have an Avadian checking account with monthly direct deposits of at least $500 to receive promotional rate; otherwise 0.25% APY applies to all balance ranges.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $25,000Promotional rate requires enrollment in e-Statements and monthly direct deposits of at least $500 to an Avadian checking account. Otherwise 0.25% APY applies.	3.50%	$350	Promotional rate requires enrollment in e-Statements and monthly direct deposits of at least $500 to an Avadian checking account. Otherwise 0.25% APY applies.
Over $25,000Rate on balances over $25,000, or standard rate on all balances if qualifying requirements are not met.	0.25%	—	Rate on balances over $25,000, or standard rate on all balances if qualifying requirements are not met.

Sources (3)

All captured Oct 5, 2026

Premium Money Market Account

1.00%APY$10,000 to open

Once a particular range is met, the Dividend Rate and Annual Percentage Yield for that balance range will apply to the full balance of your account. Requires a savings account to establish credit union membership.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Interest paid monthly. Once a particular range is met, the APY applies to the full balance.	0.30%	—	Interest paid monthly. Once a particular range is met, the APY applies to the full balance.
$10,000 – $25,000Interest paid monthly. Once a particular range is met, the APY applies to the full balance.	1.00%	$100	Interest paid monthly. Once a particular range is met, the APY applies to the full balance.
$25,000 – $50,000Interest paid monthly. Once a particular range is met, the APY applies to the full balance.	1.00%	—	Interest paid monthly. Once a particular range is met, the APY applies to the full balance.
$50,000 – $100,000Interest paid monthly. Once a particular range is met, the APY applies to the full balance.	1.00%	—	Interest paid monthly. Once a particular range is met, the APY applies to the full balance.
$100,000 – $250,000Interest paid monthly. Once a particular range is met, the APY applies to the full balance.	2.50%	—	Interest paid monthly. Once a particular range is met, the APY applies to the full balance.
$250,000 – $500,000Interest paid monthly. Once a particular range is met, the APY applies to the full balance.	2.50%	—	Interest paid monthly. Once a particular range is met, the APY applies to the full balance.
$500,000 – $1,000,000Interest paid monthly. Once a particular range is met, the APY applies to the full balance.	2.50%	—	Interest paid monthly. Once a particular range is met, the APY applies to the full balance.
$1,000,000 and upInterest paid monthly. Once a particular range is met, the APY applies to the full balance.	2.50%	—	Interest paid monthly. Once a particular range is met, the APY applies to the full balance.

Sources (2)

All captured Sep 19, 2026

Money Market Account

0.70%APY$2,500 to open

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$2,500 – $10,000Interest paid monthly. Once a particular range is met, the APY applies to the full balance.	0.70%	—	Interest paid monthly. Once a particular range is met, the APY applies to the full balance.
$10,000 – $25,000Interest paid monthly. Once a particular range is met, the APY applies to the full balance.	0.70%	$70	Interest paid monthly. Once a particular range is met, the APY applies to the full balance.
$25,000 – $50,000Interest paid monthly. Once a particular range is met, the APY applies to the full balance.	0.70%	—	Interest paid monthly. Once a particular range is met, the APY applies to the full balance.
$50,000 – $100,000Interest paid monthly. Once a particular range is met, the APY applies to the full balance.	0.70%	—	Interest paid monthly. Once a particular range is met, the APY applies to the full balance.
$100,000 and upInterest paid monthly. Once a particular range is met, the APY applies to the full balance.	0.70%	—	Interest paid monthly. Once a particular range is met, the APY applies to the full balance.

Sources (2)

All captured Sep 19, 2026

Savings

0.10%APY$5 to open

Dividends calculated by monthly average daily balance method of $100 or more and paid and compounded quarterly. $5.00 minimum opening deposit.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $2,500Dividends paid quarterly.	0.05%	—	Dividends paid quarterly.
$2,500 – $25,000Dividends paid quarterly.	0.10%	$10	Dividends paid quarterly.
$25,000 – $75,000Dividends paid quarterly.	0.25%	—	Dividends paid quarterly.
$75,000 and upDividends paid quarterly.	0.30%	—	Dividends paid quarterly.

Sources (2)

All captured Oct 5, 2026

U Name It Savings

0.10%APY$5 to open

Goal-oriented savings account. $5.00 minimum opening deposit.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $2,500Dividends paid quarterly.	0.05%	—	Dividends paid quarterly.
$2,500 – $25,000Dividends paid quarterly.	0.10%	$10	Dividends paid quarterly.
$25,000 – $75,000Dividends paid quarterly.	0.25%	—	Dividends paid quarterly.
$75,000 and upDividends paid quarterly.	0.30%	—	Dividends paid quarterly.

Sources (2)

All captured Oct 5, 2026

Special-purpose accounts

Educational (Coverdell) Savings

0.80%APYIRA

Dividends are calculated by monthly average daily balance methods of $100 or more and are paid and compounded quarterly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Quarterly dividend calculation.	0.60%	—	Quarterly dividend calculation.
$2,500 – $25,000Quarterly dividend calculation.	0.80%	$80	Quarterly dividend calculation.
$25,000 – $75,000Quarterly dividend calculation.	0.90%	—	Quarterly dividend calculation.
$75,000 and upQuarterly dividend calculation.	1.10%	—	Quarterly dividend calculation.

Sources (2)

All captured Oct 5, 2026

IRA Savings

0.80%APYIRA

Available in Traditional and Roth IRA Savings. Dividends are calculated by monthly average daily balance methods of $100 or more and are paid and compounded quarterly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Earns a quarterly compound rate.	0.60%	—	Earns a quarterly compound rate.
$2,500 – $25,000Earns a quarterly compound rate.	0.80%	$80	Earns a quarterly compound rate.
$25,000 – $75,000Earns a quarterly compound rate.	0.90%	—	Earns a quarterly compound rate.
$75,000 and upEarns a quarterly compound rate.	1.10%	—	Earns a quarterly compound rate.

Sources (2)

All captured Oct 5, 2026

Christmas Club

0.10%APYClub$5 to open

Holiday club savings account. $5.00 minimum opening deposit.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $2,500Dividends paid quarterly.	0.05%	—	Dividends paid quarterly.
$2,500 – $25,000Dividends paid quarterly.	0.10%	$10	Dividends paid quarterly.
$25,000 – $75,000Dividends paid quarterly.	0.25%	—	Dividends paid quarterly.
$75,000 and upDividends paid quarterly.	0.30%	—	Dividends paid quarterly.

Sources (2)

All captured Oct 5, 2026

Edge Savings for Teens

0.10%APYKids and teens$5 to open

For teens ages 13-18. Requires $5 to open. Minimum balance and dormant account fees do not apply to members under 19 years of age.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $2,500Dividends paid quarterly.	0.05%	—	Dividends paid quarterly.
$2,500 – $25,000Dividends paid quarterly.	0.10%	$10	Dividends paid quarterly.
$25,000 – $75,000Dividends paid quarterly.	0.25%	—	Dividends paid quarterly.
$75,000 and upDividends paid quarterly.	0.30%	—	Dividends paid quarterly.

Sources (4)

All captured Oct 5, 2026

Kids Savings School

0.10%APYKids and teens$5 to open

For children ages 12 and under. Requires $5 minimum deposit to open. Automatically converts to Edge Savings for Teens at age 13. Minimum balance and dormant account fees do not apply to members under 19 years of age.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $2,500Dividends paid quarterly on average daily balances of $100 or more.	0.05%	—	Dividends paid quarterly on average daily balances of $100 or more.
$2,500 – $25,000Dividends paid quarterly.	0.10%	$10	Dividends paid quarterly.
$25,000 – $75,000Dividends paid quarterly.	0.25%	—	Dividends paid quarterly.
$75,000 and upDividends paid quarterly.	0.30%	—	Dividends paid quarterly.

Sources (3)

All captured Oct 5, 2026

Who can join Avadian Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

Visit institution website ↗Branches and institution details

← Avadian Credit Union overview

How Avadian Credit Union’s savings rates compare

Avadian Credit Union savings score

Current savings rates

Centsible Savings

High-Yield Savings

Premium Money Market Account

Money Market Account

Savings

U Name It Savings

Special-purpose accounts

Educational (Coverdell) Savings

IRA Savings

Christmas Club

Edge Savings for Teens

Kids Savings School

Who can join Avadian Credit Union