Credit union · NCUA insured
Avanti FCU Savings Rates
Avanti FCU’s best savings rate is 0.50% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Avanti FCU’s savings rates compare
Compared with banks and credit unions near Watertown, SD, where Avanti FCU has the most branches. $10,000, best rate first.
This credit union’s best
Avanti FCU
0.50%APY
- Minimum
- $10,000
- Earns on $10,000 a year
- $50
Money Market
Top rate
Sioux Valley Co-op Federal Credit Union
2.85%APY
- Minimum
- —
- Earns on $10,000 a year
- $285
2nd-highest rate
Dacotah Bank
1.50%APY
- Minimum
- $100
- Earns on $10,000 a year
- $150
Avanti FCU savings score
79
Savings score
Higher than 48% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.75%
- 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 Avanti 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.
Money Market
0.50%APY
Must open with a minimum deposit of $10,000. Allowed six transactions per month. If balance falls below $10,000 the dividends are forfeited. Dividends are paid on the average balance, posted on the last day of the quarter, and subject to change quarterly. Checks are provided.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10,000 and up | 0.50% | $50 |
| $25,000 and up | 0.75% | — |
Sources (2)
All captured Oct 22, 2026
Regular Shares/Savings
0.30%APY
Required account for credit union membership representing ownership. A deposit of $5.00 establishes the account. A deposit of $25.00 or more earns dividends. Dividends paid on daily average balance and posted quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upA deposit of $25.00 or more will earn dividends. Dividends paid on daily average balance, posted quarterly.$25 and up | 0.30% | $30 | A deposit of $25.00 or more will earn dividends. Dividends paid on daily average balance, posted quarterly. |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Christmas Club Accounts
0.40%APY
Special Christmas savings account. Withdrawals are not allowed during the year; if a withdrawal is made the account will be closed. Funds deposited into member's share account on first business day in November. Dividends paid on daily average balance and posted quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceWithdrawals not allowed during the year; withdrawal causes account closure. Funds deposited into share account on first business day in November. Dividends paid on daily average balance and posted quarterly.Any balance | 0.40% | $40 | Withdrawals not allowed during the year; withdrawal causes account closure. Funds deposited into share account on first business day in November. Dividends paid on daily average balance and posted quarterly. |
Sources (2)
All captured Oct 22, 2026
Kid’s Club Accounts
0.40%APY
For members 18 years and younger. Dividends paid on daily average balance and posted quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFor members 18 years and younger. Dividends paid on daily average balance and posted quarterly.Any balance | 0.40% | $40 | For members 18 years and younger. Dividends paid on daily average balance and posted quarterly. |
Sources (2)
All captured Oct 22, 2026
Who can join Avanti FCU
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 or attend school in, and businesses and other legal entities located in Clark, Codington, Deuel, Grant, and Hamlin Counties in South Dakota are eligible for membership.
Other ways
- Members of record of Avanti Federal Credit Union as of the effective date of its community expansion on May 16, 2012 are eligible.
- Members of record of Glacial Lakes Educational Employees Federal Credit Union #9233 as of the effective date of its community expansion on March 1, 2018 are eligible.
Membership information collected October 4, 2026.