Credit union · NCUA insured
Canopy Credit Union Savings Rates
Canopy Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Canopy Credit Union’s savings rates compare
Compared with banks and credit unions near Spokane, WA, where Canopy Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Canopy Credit Union
2.27%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $227
Kasasa Saver
Top rate
Progressions Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $400
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
Canopy Credit Union savings score
78
Savings score
Higher than 45% of U.S. banks and credit unions
- $1,000 balance$1,0000.02%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.35%
- QualifiedQualified2.27%
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 Canopy 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.
Canopy 7Saver
0.02%APY
Requires membership and sign-up for E-Statements. Limit one account per membership. One-time membership fee of $20 applies for first-time members.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $700Requires e-statements and $5 minimum deposit. | 7.00% | — | Requires e-statements and $5 minimum deposit. |
| $700 and upRate earned on portion of balance above $700. | 0.02% | $2 | Rate earned on portion of balance above $700. |
Sources (1)
- canopycu.com/savings/7saver · captured Sep 16, 2026
Kasasa Saver
Up to 2.27%APY
Must link to Kasasa Cash or Kasasa Cash Back checking account. Qualifications per cycle: enrolled in eStatements and make at least 12 qualifying Canopy Classic and/or Rewards card purchases.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000When qualifications are met on linked checking account. | 2.27% | $227 | When qualifications are met on linked checking account. |
| Any balanceBase rate earned on all balances if checking qualifications are not met. | 0.01% | $1 | Base rate earned on all balances if checking qualifications are not met. |
| $50,000 and upWhen qualifications are met on linked checking account. | 1.00% | — | When qualifications are met on linked checking account. |
Money Market Account
0.25%APY
Minimum $2,000 deposit to start earning dividends; up to 6 monthly withdrawals. Variable rate account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $4,999Compounded monthly; minimum $2,000 balance to earn dividends. | 0.25% | — | Compounded monthly; minimum $2,000 balance to earn dividends. |
| $5,000 – $9,999Compounded monthly; minimum $2,000 balance to earn dividends. | 0.25% | — | Compounded monthly; minimum $2,000 balance to earn dividends. |
| $10,000 – $24,999Compounded monthly; minimum $2,000 balance to earn dividends. | 0.25% | $25 | Compounded monthly; minimum $2,000 balance to earn dividends. |
| $25,000 – $49,999Compounded monthly; minimum $2,000 balance to earn dividends. | 0.30% | — | Compounded monthly; minimum $2,000 balance to earn dividends. |
| $50,000 and upCompounded monthly; minimum $2,000 balance to earn dividends. | 0.35% | — | Compounded monthly; minimum $2,000 balance to earn dividends. |
Sources (2)
All captured Sep 16, 2026
Regular Shares
0.02%APY
Membership share account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMinimum $500 balance to earn dividends. Compounded monthly.$500 and up | 0.02% | $2 | Minimum $500 balance to earn dividends. Compounded monthly. |
Sources (2)
All captured Sep 16, 2026
Share II
0.02%APY
Requires membership and $5 minimum deposit.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $499Minimum $500 balance to earn dividends. Compounded monthly. | 0.02% | — | Minimum $500 balance to earn dividends. Compounded monthly. |
| $500 – $4,999Minimum $5.00 to earn dividends. Compounded monthly. | 0.02% | — | Minimum $5.00 to earn dividends. Compounded monthly. |
| $5,000 – $24,999Minimum $5.00 to earn dividends. Compounded monthly. | 0.02% | $2 | Minimum $5.00 to earn dividends. Compounded monthly. |
| $25,000 and upMinimum $5.00 to earn dividends. Compounded monthly. | 0.02% | — | Minimum $5.00 to earn dividends. Compounded monthly. |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
Holiday Club Savings
2.02%APY
Requires $5.00 minimum monthly direct deposit through automatic payments (between $5 and $500 monthly). Accumulated total automatically transfers into Canopy savings account on November 1st. If withdrawn before November 1st, dividends earned to date are forfeited.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceOpen with any amount up to $500. Monthly deposit between $5 to $500 via automatic payments. Funds transfer November 1st.Any balance | 2.02% | $202 | Open with any amount up to $500. Monthly deposit between $5 to $500 via automatic payments. Funds transfer November 1st. |
Sources (1)
- canopycu.com/savings/savings-accounts · captured Sep 16, 2026
Summer Club Savings
2.02%APY
Requires $5.00 minimum monthly direct deposit through automatic payments (between $5 and $500 monthly). Accumulated total automatically transfers into Canopy savings account on June 1st. If withdrawn before June 1st, dividends earned to date are forfeited.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceOpen with any amount up to $500. Monthly deposit between $5 to $500 via automatic payments. Funds transfer June 1st.Any balance | 2.02% | $202 | Open with any amount up to $500. Monthly deposit between $5 to $500 via automatic payments. Funds transfer June 1st. |
Sources (1)
- canopycu.com/savings/savings-accounts · captured Sep 16, 2026
Who can join Canopy 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 in Spokane, Pend Oreille, or Stevens County, Washington are eligible to join.
Employers and groups
- Individuals who belong to a partner association in Spokane, Pend Oreille, or Stevens County, Washington are eligible to join.
Membership information collected October 4, 2026.