Credit union · NCUA insured
Chadron Federal Credit Union Savings Rates
Chadron Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its Regular Member Share. Rates checked October 22, 2026.
How Chadron Federal Credit Union’s savings rates compare
Compared with banks and credit unions in Nebraska, where Chadron Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Chadron Federal Credit Union
1.00%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $100
Regular Member Share
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Flatwater Bank
3.60%APY
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000 a year
- $360
Chadron Federal Credit Union savings score
85
Savings score
Higher than 69% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.00%
- 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 Chadron 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.
Regular Member Share
1.00%APY
Must maintain a balance of $25.00 in the Share account at all times to remain a member.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.00% | $100 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Kids Club
0.50%APY
For those younger than 12 or younger than 18 years old.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Applies on the first $500. | 5.38% | — | Applies on the first $500. |
| $500 and upApplies to remaining balance over $500. | 0.50% | $50 | Applies to remaining balance over $500. |
Sources (3)
- chadronfcu.org/savings-and-checking/savings-accounts
- chadronfcu.org/savings-and-checking/youth-services
- chadronfcu.org/rates/deposit-rates
All captured Oct 5, 2026
IRA Account (Traditional, ROTH & SEP)
4.00%APY
Includes Traditional, Roth, and SEP IRA accounts.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 4.00% | $400 |
Sources (1)
- chadronfcu.org/rates/deposit-rates · captured Oct 5, 2026
Teen Club Share
3.04%APY
For young adults between ages 13 and 17.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Applies on the first $1,000.Up to $1,000 | 3.04% | — | Applies on the first $1,000. |
Sources (2)
All captured Oct 5, 2026
Christmas Club
1.00%APY
Funds dispersed on October 31st. A $25 early dispersal fee applies if funds are used prior to October 31st.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.00% | $100 |
Sources (2)
All captured Oct 5, 2026
Closed to new customers
Club Share
1.00%APY
Can be opened in addition to Share account. No minimum balance to open if already an active member of Chadron FCU.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.00% | $100 |
Sources (2)
All captured Oct 5, 2026
Who can join Chadron 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 lives, works, worships, or attends school in Dawes, Sioux, or Sheridan counties in Northwest Nebraska.
Employers and groups
- Membership is open to any employee of the Union Pacific Rail Road (western division).
Family and household
- Membership is open to immediate family members of an already active credit union member.
Membership information collected October 4, 2026.