Credit union · NCUA insured
Caltech Employees Federal Credit Union Savings Rates
Caltech Employees Federal Credit Union’s best savings rate is 2.55% APY on $10,000, with its Share Savings Account. Rates checked October 16, 2026.
How Caltech Employees Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Los Angeles, CA, where Caltech Employees Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Caltech Employees Federal Credit Union
2.55%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $255
Share Savings Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
Caltech Employees Federal Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.55%
- $10,000 balance$10,0002.55%
- $100,000 balance$100,0002.60%
- QualifiedQualified2.55%
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 Caltech Employees 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.
Share Savings Account
2.55%APY
Minimum opening deposit of $5 and one-time $5 membership fee due upon opening any CEFCU Share Account. Federally insured by NCUA. APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Dividends on this tiered savings account are paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Balance $0.00–$25,000.00. APY effective August 2026. | 2.55% | $255 | Balance $0.00–$25,000.00. APY effective August 2026. |
| $25,000 – $100,000Balance $25,000.01–$100,000.00. APY effective August 2026. | 2.60% | — | Balance $25,000.01–$100,000.00. APY effective August 2026. |
| $100,000 – $250,000Balance $100,000.01–$250,000.00. APY effective August 2026. | 2.65% | — | Balance $100,000.01–$250,000.00. APY effective August 2026. |
| $250,000 – $500,000Balance $250,000.01–$500,000.00. APY effective August 2026. | 2.75% | — | Balance $250,000.01–$500,000.00. APY effective August 2026. |
| Over $500,000Balance $500,000.01 and above. APY effective August 2026. | 2.80% | — | Balance $500,000.01 and above. APY effective August 2026. |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
Star Youth Accounts
2.55%APY
For children ages 0-17. Earns dividends just like a regular share savings account. Must be eligible for CEFCU membership to join. Minimum opening deposit of $5 and one-time $5 membership fee due upon opening any CEFCU Share Account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Tier 1 rate. Earns dividends just like a regular share savings account. For children ages 0-17. | 2.55% | $255 | Tier 1 rate. Earns dividends just like a regular share savings account. For children ages 0-17. |
| $25,000 – $100,000Tier 2 rate. Earns dividends just like a regular share savings account. For children ages 0-17. | 2.60% | — | Tier 2 rate. Earns dividends just like a regular share savings account. For children ages 0-17. |
| $100,000 – $250,000Tier 3 rate. Earns dividends just like a regular share savings account. For children ages 0-17. | 2.65% | — | Tier 3 rate. Earns dividends just like a regular share savings account. For children ages 0-17. |
| $250,000 – $500,000Tier 4 rate. Earns dividends just like a regular share savings account. For children ages 0-17. | 2.75% | — | Tier 4 rate. Earns dividends just like a regular share savings account. For children ages 0-17. |
| Over $500,000Tier 5 rate. Earns dividends just like a regular share savings account. For children ages 0-17. | 2.80% | — | Tier 5 rate. Earns dividends just like a regular share savings account. For children ages 0-17. |
Sources (2)
All captured Sep 16, 2026
Who can join Caltech Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of California Association for Research in Astronomy (CARA) are eligible for membership.
- Employees of the Carnegie Institute of Washington located in Pasadena and Palomar are eligible for membership.
- Independent contractors and documented volunteers who work regularly for a sponsor facility are eligible for membership.
- Employees of Foldax are eligible for membership.
- Employees of Helicity Space are eligible for membership.
- Employees and registered volunteers (docents) of The Huntington Library, Art Collections, and Botanical Gardens are eligible for membership.
11 more ways to join
Employers and groups
- Employees of Thirty Meter Telescope (TMT) are eligible for membership.
- Employees of Virtualitics Inc. are eligible for membership.
Military, government and schools
- The Associates of the California Institute of Technology are eligible for membership.
- Members of the Caltech Alumni Association are eligible for membership.
- Employees of the California Institute of Technology who work at the Campus, Jet Propulsion Laboratory (JPL), Mt. Wilson, Mt. Palomar are eligible for membership.
- Registered graduate and undergraduate students of Caltech are eligible for membership.
- Faculty, administration and students of the Child Educational Center (CEC) are eligible for membership.
- NASA employees at JPL are eligible for membership.
- Faculty, administration and students of the Polytechnic School are eligible for membership.
Family and household
- Immediate family members of current members (spouse, parents, children, siblings, grandparents, grandchildren by blood or marriage, or extended family / significant other living in the same household) are eligible for membership.
Other ways
- Members retired from active employment with eligible groups, unremarried spouses of deceased members, and Caltech and JPL-based clubs and organizations are eligible for membership.
Cost to join
- A minimum opening deposit of $5 is required upon opening any CEFCU Share Account.
- A one-time $5 membership fee is due upon opening any CEFCU Share Account.
Membership information collected October 5, 2026.