Credit union · NCUA insured
Centric Federal Credit Union Savings Rates
Top CarrotCentric Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market Savings. Rates checked October 16, 2026.
How Centric Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Monroe, LA, where Centric Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Centric Federal Credit Union
4.01%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $401
Save Better Savings
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
3rd-highest rate
WSB
3.04%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $304
Centric Federal Credit Union savings score
86
Savings score
Higher than 72% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0004.00%
- QualifiedQualified1.00%
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 Centric 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.
Save Better Savings
Up to 4.01%APY
To earn rewards rates, 12 debit card transactions must post and settle, 1 ACH credit must occur, and member must enroll in e-statements during each Monthly Qualification Cycle on linked Spend Better or Earn Better account. If qualifications are not met, all balances earn base rate of 0.05% APY. Balances over $50,000 earn 0.50% dividend rate on portion over $50,000, resulting in 4.01% to 0.50% APY. Limit one account per SSN. Domestic ATM fees reimbursed up to $25 per cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Qualifying rate for balances up to $50,000 when monthly qualifications (12 debit card transactions, 1 ACH credit, e-statements) are met on linked Spend Better or Earn Better checking account. | 4.01% | $401 | Qualifying rate for balances up to $50,000 when monthly qualifications (12 debit card transactions, 1 ACH credit, e-statements) are met on linked Spend Better or Earn Better checking account. |
| Any balanceBase rate earned on all balances if monthly qualifications are not met on linked Spend Better or Earn Better checking account. | 0.05% | $5 | Base rate earned on all balances if monthly qualifications are not met on linked Spend Better or Earn Better checking account. |
| $50,000 and upDividend rate of 0.50% on portion of balance over $50,000 when monthly qualifications are met on linked Spend Better or Earn Better checking account. | 0.50% | — | Dividend rate of 0.50% on portion of balance over $50,000 when monthly qualifications are met on linked Spend Better or Earn Better checking account. |
Sources (2)
All captured Sep 18, 2026
Money Market Savings
1.00%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $2,499Minimum balance required to earn dividends. | 0.00% | — | Minimum balance required to earn dividends. |
| $2,500 – $49,999 | 1.00% | $100 | |
| $50,000 and up | 4.00% | — |
Sources (3)
All captured Oct 16, 2026
Basic Savings
0.25%APY
Must maintain $5 member share to stay in good standing. Two free withdrawals per month ($5 fee per additional withdrawal). Balances of $200 or more earn dividends. Can be used as collateral to secure a loan.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upMinimum balance required to earn dividends is $200. $5 minimum deposit to open.$200 and up | 0.25% | $25 | Minimum balance required to earn dividends is $200. $5 minimum deposit to open. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
1.00%APY
Available as Traditional Individual Retirement Account (IRA) and Roth IRA. Balances of $200 or more earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upMinimum balance required to earn dividends is $200. Applies to Traditional IRA and Roth IRA savings.$200 and up | 1.00% | $100 | Minimum balance required to earn dividends is $200. Applies to Traditional IRA and Roth IRA savings. |
Sources (1)
- mycentric.org/account-resources/rates · captured Sep 18, 2026
Santa Saver
0.35%APY
Limited access holiday savings account. Entire balance transferred to Basic Savings account on or after October 1 / during the first week in October and the account remains open. Early withdrawals subject to a $15 early withdrawal fee (grace period during first 7 days of opening).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance required to earn dividends is $5. $5 minimum deposit to open.$5 and up | 0.35% | $35 | Minimum balance required to earn dividends is $5. $5 minimum deposit to open. |
Sources (2)
All captured Sep 18, 2026
Vacation Club
0.35%APY
Limited access vacation savings account. Entire balance transferred to Basic Savings account on or after April 1 / during the first week in April and the account remains open. Early withdrawals subject to a $15 early withdrawal fee (grace period during first 7 days of opening).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance required to earn dividends is $5. $5 minimum deposit to open.$5 and up | 0.35% | $35 | Minimum balance required to earn dividends is $5. $5 minimum deposit to open. |
Sources (2)
All captured Sep 18, 2026
Youth Savings (Kidz Saver)
0.35%APY
Designed for members age 17 and under. Must have a parent or guardian signature. Two free withdrawals per month ($5 fee per additional withdrawal). Direct deposit or auto transfer from an adult member account available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance required to earn dividends is $25.$25 and up | 0.35% | $35 | Minimum balance required to earn dividends is $25. |
Sources (2)
All captured Sep 18, 2026
Who can join Centric Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who physically lives, works, worships, or attends school, or any businesses and other legal entities located in 22 specified parishes in Louisiana and 6 specified counties in Arkansas.
Cost to join
- Members must pay a one-time membership fee of $3.
- Members must deposit and maintain $5 in a Centric savings account.
Membership information collected October 5, 2026.