Credit union · NCUA insured
BP Federal Credit Union Savings Rates
BP Federal Credit Union’s best savings rate is 1.21% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How BP Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Houston, TX, where BP Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
BP Federal Credit Union
1.21%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $121
Money Market
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Minimum
- —
- Earns on $10,000 a year
- $513
2nd-highest rate
Nizari Credit Union
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
BP Federal Credit Union savings score
87
Savings score
Higher than 76% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0001.21%
- $100,000 balance$100,0003.04%
- QualifiedQualified1.21%
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 BP 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 Market
1.21%APY
Tiered rate account; once a particular range is met, the dividend rate and APY for that balance range apply to the full balance. Daily balance method used to calculate dividends. Compounded and credited monthly. Minimum daily balance of $1,000 required to avoid service fee and earn dividends. Up to 6 transfers/withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $25,000Minimum balance to open is $2,500.00; minimum balance to earn stated APY and avoid service fee is $1,000.00. | 1.21% | $121 | Minimum balance to open is $2,500.00; minimum balance to earn stated APY and avoid service fee is $1,000.00. |
| $25,000 – $50,000Minimum balance to open is $2,500.00; minimum balance to earn stated APY is $25,000.00. | 1.61% | — | Minimum balance to open is $2,500.00; minimum balance to earn stated APY is $25,000.00. |
| $50,000 – $100,000Minimum balance to open is $2,500.00; minimum balance to earn stated APY is $50,000.00. | 1.76% | — | Minimum balance to open is $2,500.00; minimum balance to earn stated APY is $50,000.00. |
| $100,000 and upMinimum balance to open is $2,500.00; minimum balance to earn stated APY is $100,000.00. | 3.04% | — | Minimum balance to open is $2,500.00; minimum balance to earn stated APY is $100,000.00. |
Sources (3)
All captured Sep 17, 2026
Share Saving
0.15%APY
Opening a Share Savings Account with $25 establishes active membership at BPFCU. A minimum balance of $25 is required with another active account at BPFCU (e.g., checking, loans, credit cards); otherwise, a $100 minimum balance must be maintained to avoid a $5 monthly fee. Par value of one share is $25.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded and credited quarterly using the daily balance method. Minimum daily balance to earn the stated APY is $100.00. $5 monthly fee applies if minimum balance drops below $100 when there is no other active BPFCU account.$100 and up | 0.15% | $15 | Dividends compounded and credited quarterly using the daily balance method. Minimum daily balance to earn the stated APY is $100.00. $5 monthly fee applies if minimum balance drops below $100 when there is no other active BPFCU account. |
Sources (3)
All captured Sep 17, 2026
Who can join BP Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Full-time, part-time, temporary or casual employees, retirees, or annuitants of BP are eligible for membership.
- Contractors for BP are eligible for membership.
- Employees of listed participating companies and select groups are eligible for membership.
Family and household
- Domestic partners and family members (spouse, parents, grandparents, children [natural, adopted, or foster], siblings, grandchildren, and spouses of such members) of members are eligible for membership.
Membership information collected October 5, 2026.