Credit union · NCUA insured
BCFCU Savings Rates
Top CarrotBCFCU’s best savings rate is 0.30% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How BCFCU’s savings rates compare
Compared with banks and credit unions near Tallahassee, FL, where BCFCU has the most branches. $10,000, best rate first.
This credit union’s best
BCFCU
0.30%APY
- Minimum
- —
- Earns on $10,000 a year
- $30
Special Savings
Top rate
SmartBank
4.00%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
First Commerce Credit Union
3.00%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $300
BCFCU savings score
74
Savings score
Higher than 35% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.30%
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 BCFCU 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
0.30%APY
Dividends calculated using average daily balance method, compounded and credited monthly. Requires a minimum balance of $1,000. Membership eligibility requirements apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Requires a minimum balance of $1,000. Dividends calculated using average daily balance method, compounded and credited monthly. | 0.20% | — | Requires a minimum balance of $1,000. Dividends calculated using average daily balance method, compounded and credited monthly. |
| $5,000 – $25,000Requires a minimum balance of $1,000. Dividends calculated using average daily balance method, compounded and credited monthly. | 0.30% | $30 | Requires a minimum balance of $1,000. Dividends calculated using average daily balance method, compounded and credited monthly. |
| $25,000 – $50,000Requires a minimum balance of $1,000. Dividends calculated using average daily balance method, compounded and credited monthly. | 0.40% | — | Requires a minimum balance of $1,000. Dividends calculated using average daily balance method, compounded and credited monthly. |
| $50,000 and upRequires a minimum balance of $1,000. Dividends calculated using average daily balance method, compounded and credited monthly. | 0.50% | — | Requires a minimum balance of $1,000. Dividends calculated using average daily balance method, compounded and credited monthly. |
Sources (1)
- mybcfcu.com/share-certificate-rates · captured Sep 18, 2026
Special Savings
0.30%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.20% | — |
| $5,000 – $25,000 | 0.30% | $30 |
| $25,000 – $50,000 | 0.40% | — |
| $50,000 and up | 0.50% | — |
Sources (1)
- mybcfcu.com/share-certificate-rates · captured Sep 18, 2026
Savings
0.05%APY
Dividends are computed using the average daily balance method and are compounded and paid monthly. Requires keeping at least $5.00 on deposit to maintain membership privileges.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Up to $5,000$5 to open | 0.02% | $5 | — |
| $5,000 – $25,000Unknown to open | 0.05% | Unknown | $5 |
| $25,000 – $50,000Unknown to open | 0.10% | Unknown | — |
| $50,000 and upUnknown to open | 0.15% | Unknown | — |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Student Saver Club
0.20%APY
Student Saver club will transfer to sub share on 8/1 of each year. Dividends calculated using average daily balance method, compounded monthly and credited monthly. A penalty equal to the last 2 months of dividends paid for early withdrawal or closure.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,500 | 8.00% | — | |
| $1,500 and upEarns 0.20% APY (or regular savings rate) on balances over $1,500; blended rate applies when balance exceeds $1,500. | 0.20% | $20 | Earns 0.20% APY (or regular savings rate) on balances over $1,500; blended rate applies when balance exceeds $1,500. |
Christmas Club
0.20%APY
Christmas Club will transfer to sub share on 11/1 of each year. Dividends calculated using average daily balance method, compounded monthly and credited monthly. A penalty equal to the last 2 months of dividends paid for early withdrawal or closure.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500 | 2.50% | — | |
| $2,500 and upEarns 0.20% APY on balances over $2,500; blended rate applies when balance exceeds $2,500. | 0.20% | $20 | Earns 0.20% APY on balances over $2,500; blended rate applies when balance exceeds $2,500. |
Sources (1)
- mybcfcu.com/share-certificate-rates · captured Sep 18, 2026
Vacation Club
0.20%APY
Vacation Club will transfer to sub share on 5/1 of each year. Dividends calculated using average daily balance method, compounded monthly and credited monthly. A penalty equal to the last 2 months of dividends paid for early withdrawal or closure.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500 | 2.50% | — | |
| $2,500 and upEarns 0.20% APY on balances over $2,500; blended rate applies when balance exceeds $2,500. | 0.20% | $20 | Earns 0.20% APY on balances over $2,500; blended rate applies when balance exceeds $2,500. |
Sources (1)
- mybcfcu.com/share-certificate-rates · captured Sep 18, 2026
IRA Share
0.30%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.15% | — |
| $5,000 – $25,000 | 0.30% | $30 |
| $25,000 – $50,000 | 0.45% | — |
| $50,000 and up | 0.55% | — |
Sources (1)
- mybcfcu.com/share-certificate-rates · captured Sep 18, 2026
Who can join BCFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to all persons who live, worship, work, or attend school in, and businesses and other legal entities located in Dixie, Franklin, Gadsden, Gilchrist, Hamilton, Jefferson, Lafayette, Leon, Levy, Madison, Suwannee, Taylor, and Wakulla counties.
Military, government and schools
- Open to employees of the credit union and volunteers in the community.
Family and household
- Open to spouses of persons who died while within the field of membership of the credit union, and members of their immediate family or household.
Other ways
- Open to organizations of eligible persons.
Membership information collected October 5, 2026.