Credit union · NCUA insured
Banner Federal Credit Union Savings Rates
Banner Federal Credit Union’s best savings rate is 1.10% APY on $10,000, with its Money Maximizer. Rates checked October 22, 2026.
How Banner Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Phoenix, AZ, where Banner Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Banner Federal Credit Union
1.10%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $110
Money Maximizer
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
2nd-highest rate
Alhambra Credit Union
4.04%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $404
Banner Federal Credit Union savings score
86
Savings score
Higher than 75% of U.S. banks and credit unions
- $1,000 balance$1,0000.95%
- $10,000 balance$10,0001.10%
- $100,000 balance$100,0001.30%
- QualifiedQualified1.10%
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 Banner Federal 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.
Money Maximizer
1.10%APY
Effective as of 10/01/2026 Banner Federal’s deposit accounts are a variable rate account. Dividend Rate may change after the account is opened.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $999 | 0.65% | — |
| $1,000 – $9,999 | 0.95% | — |
| $10,000 – $25,000 | 1.10% | $110 |
| $25,000 and up | 1.30% | — |
Sources (1)
- bannerfcu.org/loans/loan-rates · captured Oct 15, 2026
Regular Shares
0.10%APY
Establishes membership with the credit union. Share savings must remain at a minimum balance of $25.00 during membership. Variable rate account; dividend rate may change after the account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $75 and upDividends are paid on the entire balance once the tier minimum is met.$75 and up | 0.10% | $10 | Dividends are paid on the entire balance once the tier minimum is met. |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Savings
Up to 3.50%APY
To open an IRA with Banner Federal you must be the primary member on the account and deposit just $1.00 to get started. Variable rate account; dividend rate may change after the account is opened.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Dividends are paid on the entire balance once the tier minimum is met. | 3.45% | $345 | Dividends are paid on the entire balance once the tier minimum is met. |
| $10,000 and upDividends are paid on the entire balance once the tier minimum is met. | 3.50% | $350 | Dividends are paid on the entire balance once the tier minimum is met. |
Sources (2)
All captured Oct 15, 2026
Club Savings
0.10%APY
Variable rate account; dividend rate may change after the account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $75 and upDividends are paid on the entire balance once the tier minimum is met.$75 and up | 0.10% | $10 | Dividends are paid on the entire balance once the tier minimum is met. |
Sources (2)
All captured Oct 15, 2026
Who can join Banner Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is primarily open to employees of Banner Health System and small employee groups affiliated with health care providers.
Family and household
- Immediate family members of eligible members are eligible to join.
Membership information collected October 4, 2026.