Credit union · NCUA insured
Chaffey Federal Credit Union Savings Rates
Chaffey Federal Credit Union’s best savings rate is 0.95% APY on $10,000, with its Money Market Checking. Rates checked October 16, 2026.
How Chaffey Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Riverside, CA, where Chaffey Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Chaffey Federal Credit Union
0.95%APY
- Minimum
- —
- Earns on $10,000 a year
- $95
Money Market Checking
Top rate
EverBank
4.20%APY
- Minimum
- $0
- Earns on $10,000 a year
- $420
2nd-highest rate
Flagstar Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
Chaffey Federal Credit Union savings score
83
Savings score
Higher than 63% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.95%
- $100,000 balance$100,0001.20%
- QualifiedQualified0.95%
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 Chaffey 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.
Money Market Checking
0.95%APY
Dividends payable monthly. Minimum balance of $5,000 required. Up to 3 withdrawals per month with a minimum withdrawal amount of $500 per withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $9,999Tier I. Dividends payable monthly. | 0.70% | — | Tier I. Dividends payable monthly. |
| $10,000 – $99,999Tier II. Dividends payable monthly. | 0.95% | $95 | Tier II. Dividends payable monthly. |
| $100,000 – $249,999Tier III. Dividends payable monthly. | 1.20% | — | Tier III. Dividends payable monthly. |
| $250,000 and upTier IV. Dividends payable monthly. | 1.80% | — | Tier IV. Dividends payable monthly. |
Regular Shares
0.15%APY
Primary savings account represents ownership in the credit union. Minimum balance of $5.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $4,999Tier I. Payable quarterly. | 0.10% | — | Tier I. Payable quarterly. |
| $5,000 and upTier II. Payable quarterly. | 0.15% | $15 | Tier II. Payable quarterly. |
Sources (3)
All captured Oct 16, 2026
Special-purpose accounts
Summer Savings Club
5.80%APY · 1 term
Requires monthly direct deposit or payroll deduction of $50 – $2,000. Limit 1 account per Member. For the 2026–2027 program year (June 15, 2026 – June 15, 2027), account matures on June 15, 2027. Early withdrawal forfeits uncredited dividends. Accounts with no deposits for at least 60 days will be closed and funds transferred to regular savings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFixed rate for 2026–2027 program year (June 15, 2026 – June 15, 2027). Dividends paid quarterly and at maturity on June 15, 2027 | 5.80% | $580 |
Sources (2)
All captured Oct 16, 2026
Holiday Club
0.15%APY
Account matures November 15th; funds are disbursed into chosen checking or savings account. No penalty for early withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $4,999Tier I. Payable quarterly. | 0.10% | — | Tier I. Payable quarterly. |
| $5,000 and upTier II. Payable quarterly. | 0.15% | $15 | Tier II. Payable quarterly. |
IRA Savings (Traditional, Roth, Education)
0.15%APY
Includes Traditional, Roth, and Education (Coverdell ESA) IRA savings. No minimum opening deposit for IRA Shares; no credit union penalty for early withdrawal, but federal tax/early withdrawal penalties may apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $4,999Tier I. Payable quarterly. | 0.10% | — | Tier I. Payable quarterly. |
| $5,000 and upTier II. Payable quarterly. | 0.15% | $15 | Tier II. Payable quarterly. |
Sources (3)
All captured Oct 16, 2026
Who can join Chaffey 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 individuals who live, work or regularly conduct business in, attend school, or worship in specified Census Tracts across southwestern San Bernardino and eastern Los Angeles County communities.
- Membership is open to individuals who are volunteers in the community outlined by Chaffey FCU census tracts.
Employers and groups
- Membership remains open to employees of schools and Select Employer Groups (SEGs) previously included in Chaffey FCU's Field of Membership.
Family and household
- Membership is open to individuals who have an immediate family or household member that is already a CFCU Member or lives within the Field of Membership.
- Membership is open to spouses of persons who have passed away within the Field of Membership.
Other ways
- Membership is open to organizations of eligible persons.
Membership information collected October 5, 2026.