Credit union · NCUA insured
Baptist Credit Union Savings Rates
Top CarrotBaptist Credit Union’s best savings rate is 1.75% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Baptist Credit Union’s savings rates compare
Compared with banks and credit unions near San Antonio, TX, where Baptist Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Baptist Credit Union
1.75%APY
- Minimum
- $2,000
- Earns on $10,000 a year
- $175
Money Market
Top rate
Nizari Credit Union
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
2nd-highest rate
MidFirst Bank
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
Baptist Credit Union savings score
88
Savings score
Higher than 84% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0001.75%
- $100,000 balance$100,0001.75%
- QualifiedQualified1.75%
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 Baptist 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 Market
1.75%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 and upDividends compounded and credited monthly. Average daily balance computation method. Three over-the-counter and three draft (check) withdrawals allowed per month ($10.00 fee per excess withdrawal); minimum withdrawal is $250.$2,000 and up | 1.75% | $175 | Dividends compounded and credited monthly. Average daily balance computation method. Three over-the-counter and three draft (check) withdrawals allowed per month ($10.00 fee per excess withdrawal); minimum withdrawal is $250. |
Sources (2)
All captured Oct 16, 2026
Share Account
0.25%APY
Dividend compounding and crediting frequency: Quarterly. Computed on Average Daily Balance. Share accounts closed within six months of opening assessed a $15.00 fee. Limited to 3 preauthorized/automatic/telephonic withdrawals/transfers per month ($3.00 fee per excess transaction).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividend compounding and crediting frequency: Quarterly. Computed on Average Daily Balance. Minimum required balance to obtain disclosed APY is $25.00.$25 and up | 0.25% | $25 | Dividend compounding and crediting frequency: Quarterly. Computed on Average Daily Balance. Minimum required balance to obtain disclosed APY is $25.00. |
Special-purpose accounts
IRA Account
2.30%APY
Includes Traditional IRAs, Roth IRAs, and Educational IRAs with no annual management fees. Dividends compounded and credited quarterly using average daily balance method. Withdrawals made before age 59 1/2 assessed a $50 fee per withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum required balance to obtain disclosed APY is $25.00.$25 and up | 2.30% | $230 | Minimum required balance to obtain disclosed APY is $25.00. |
Holiday Flex Account
1.25%APY
Can be opened any month with $25.00 minimum opening balance. Supports direct deposit or automatic transfer. Allows 3 withdrawals per year (January through December) without penalty. Excessive withdrawals subject to a penalty of 30 days' dividend or a minimum of $15.00 per transaction. Compounded and credited monthly based on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum required balance to obtain disclosed APY is $25.00.$25 and up | 1.25% | $125 | Minimum required balance to obtain disclosed APY is $25.00. |
Sources (3)
- baptistcu.org/forms/disclosure…osit-account-disclosures
- baptistcu.org/member-services/savings-investments
- baptistcu.org/rates/savings-rates
All captured Oct 6, 2026
Kid's Club Savings Account
0.25%APY
Designed for children (0-18) with a parent, guardian, or responsible adult listed joint on the account. Minimum opening deposit $5.00. No monthly service fees. Compounded and credited quarterly on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upNo Service Fees. Dividend rate compounding frequency: Quarterly. Minimum opening balance $5.00.$5 and up | 0.25% | $25 | No Service Fees. Dividend rate compounding frequency: Quarterly. Minimum opening balance $5.00. |
Sources (3)
- baptistcu.org/member-services/savings-investments
- baptistcu.org/member-services/…vestments/share-accounts
- baptistcu.org/rates/savings-rates
All captured Oct 6, 2026
Student Account
0.04%APY
For young adults (18-24 years old) currently enrolled in college or university. Minimum to open is $5.00 (funded by the credit union if in conjunction with a Student Loan). Includes debit card / optional ATM card access. 3 cash withdrawals or teller checks per month without fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate stated as 0.04% APR; computed on average daily balance and paid quarterly. Opening minimum is $5.00 or funded by credit union if paired with a student loan.Any balance | 0.04% | $4 | Rate stated as 0.04% APR; computed on average daily balance and paid quarterly. Opening minimum is $5.00 or funded by credit union if paired with a student loan. |
Sources (2)
- baptistcu.org/member-services/savings-investments
- baptistcu.org/member-services/…vestments/share-accounts
All captured Oct 6, 2026
Who can join Baptist Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Groups associated with Tarrant Baptist Association, North Texas Area Baptist Association, and Bluebonnet Baptist Association are included in the field of membership.
- Employees of any church or institution associated with the Baptist General Convention of Texas (BGCT) are eligible for membership.
- Individual members and member churches of Christian Financial Association of America are eligible for membership.
- Members of churches in the Dallas Baptist Association (DBA) are eligible for membership.
- Employees of the San Antonio Baptist Association (SABA) and employees or members of churches belonging to SABA are eligible for membership.
- Staff of the Southern Baptist of Texas Convention (SBTC), and pastors, staff, and members of SBTC churches are eligible for membership.
1 more way to join
Military, government and schools
- Affiliates of Wayland University (San Antonio), Baptist University of the Americas, or Dallas Baptist University are eligible for membership.
Membership information collected October 5, 2026.