Credit union · NCUA insured
BRAZOS VALLEY SCHOOLS CREDIT UNION Savings Rates
Top CarrotBRAZOS VALLEY SCHOOLS CREDIT UNION’s best savings rate is 1.20% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How BRAZOS VALLEY SCHOOLS CREDIT UNION’s savings rates compare
Compared with banks and credit unions near Houston, TX, where BRAZOS VALLEY SCHOOLS CREDIT UNION has the most branches. $10,000, best rate first.
This credit union’s best
BRAZOS VALLEY SCHOOLS CREDIT UNION
1.20%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $120
Money Market Account
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
BRAZOS VALLEY SCHOOLS CREDIT UNION savings score
86
Savings score
Higher than 72% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.20%
- $100,000 balance$100,0001.30%
- QualifiedQualified1.20%
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 BRAZOS VALLEY SCHOOLS 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 Account
1.20%APY
Three free withdrawals allowed per month ($2.00 fee per withdrawal thereafter). A $5.00 monthly service charge applies if balance falls below $2,500.00. Rates are variable and subject to change monthly. Courtesy Pay limit is $1,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Minimum balance to avoid a $5.00 service fee is $2,500.00. Minimum balance to earn stated APY is $2,500.00. | 0.00% | — | Minimum balance to avoid a $5.00 service fee is $2,500.00. Minimum balance to earn stated APY is $2,500.00. |
| $2,500 – $50,000Minimum balance to avoid a $5.00 service fee is $2,500.00. Minimum balance to earn stated APY is $2,500.00. | 1.20% | $120 | Minimum balance to avoid a $5.00 service fee is $2,500.00. Minimum balance to earn stated APY is $2,500.00. |
| $50,000 – $100,000Minimum balance to avoid a $5.00 service fee is $2,500.00. Minimum balance to earn stated APY is $2,500.00. | 1.25% | — | Minimum balance to avoid a $5.00 service fee is $2,500.00. Minimum balance to earn stated APY is $2,500.00. |
| $100,000 – $250,000Minimum balance to avoid a $5.00 service fee is $2,500.00. Minimum balance to earn stated APY is $2,500.00. | 1.30% | — | Minimum balance to avoid a $5.00 service fee is $2,500.00. Minimum balance to earn stated APY is $2,500.00. |
| $250,000 and upMinimum balance to avoid a $5.00 service fee is $2,500.00. Minimum balance to earn stated APY is $2,500.00. | 1.35% | — | Minimum balance to avoid a $5.00 service fee is $2,500.00. Minimum balance to earn stated APY is $2,500.00. |
Sources (1)
- bvscu.org/tis · captured Oct 6, 2026
Regular Savings
0.10%APY
Dividends paid quarterly. Requires a $5 minimum balance. Free online banking and e-statements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upVariable rate. Compounded and credited quarterly using average daily balance method. Minimum balance to avoid a service fee is $0.00. Minimum balance to earn stated APY is $5.00.$5 and up | 0.10% | $10 | Variable rate. Compounded and credited quarterly using average daily balance method. Minimum balance to avoid a service fee is $0.00. Minimum balance to earn stated APY is $5.00. |
Revocable & Irrevocable Trusts
0.10%APY
Proof of trust is required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate. Compounded and credited quarterly using average daily balance method.Any balance | 0.10% | $10 | Variable rate. Compounded and credited quarterly using average daily balance method. |
Sources (1)
- bvscu.org/tis · captured Oct 6, 2026
Second Savings
0.10%APY
Automatically closes after 12 months of a zero balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upVariable rate. Compounded and credited quarterly using average daily balance method. Minimum balance to avoid a service fee is $0.00. Minimum balance to earn stated APY is $5.00.$5 and up | 0.10% | $10 | Variable rate. Compounded and credited quarterly using average daily balance method. Minimum balance to avoid a service fee is $0.00. Minimum balance to earn stated APY is $5.00. |
Sources (1)
- bvscu.org/tis · captured Oct 6, 2026
TUTMA
0.10%APY
IRS Form W9 may be required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate. Compounded and credited quarterly using average daily balance method.Any balance | 0.10% | $10 | Variable rate. Compounded and credited quarterly using average daily balance method. |
Sources (1)
- bvscu.org/tis · captured Oct 6, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Savings
0.40%APY
Available as Traditional IRA and Roth IRA tax wrappers. Annual maximum contribution of $7,500 if under age 50, or $8,600 if age 50 or older (earned income required). Mandatory distribution/withdrawal at age 72 without penalty for Traditional IRA Savings Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Variable rate. Compounded and credited quarterly using average daily balance method. Minimum balance to earn stated APY is $0.01.Over $0 | 0.40% | $40 | Variable rate. Compounded and credited quarterly using average daily balance method. Minimum balance to earn stated APY is $0.01. |
Christmas Club
0.20%APY
Available balance automatically transferred to savings on or after November 1st (annual automatic transfer Oct. 31st). Withdrawals prior to maturity incur a loss of dividends and account closure for the duration of the club year; no partial withdrawals allowed. Automatically closes after 12 months of a zero balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Fixed rate. Compounded and credited at maturity using average daily balance method. Minimum balance to avoid a service fee is $0.00. Minimum balance to earn stated APY is $0.01.Over $0 | 0.20% | $20 | Fixed rate. Compounded and credited at maturity using average daily balance method. Minimum balance to avoid a service fee is $0.00. Minimum balance to earn stated APY is $0.01. |
Who can join BRAZOS VALLEY SCHOOLS CREDIT UNION
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school within the boundaries of 51 school districts are eligible for membership.
Family and household
- Individuals who have a family member currently belonging to BVSCU are eligible for membership.
Membership information collected October 5, 2026.