Credit union · NCUA insured
Champions First Credit Union Savings Rates
Top CarrotChampions First Credit Union’s best savings rate is 0.15% APY on $10,000, with its Main Share Savings. Rates checked October 15, 2026.
How Champions First Credit Union’s savings rates compare
Compared with banks and credit unions near Tallahassee, FL, where Champions First Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Champions First Credit Union
0.15%APY
- Minimum
- $5
- Earns on $10,000 a year
- $15
Main Share Savings
Top rate
SmartBank
4.00%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
First Commerce Credit Union
3.00%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $300
Champions First Credit Union savings score
68
Savings score
Higher than 21% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0002.00%
- QualifiedQualified0.15%
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 Champions First 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.
Smart Move Savings
2.00%APY
Requires $50,000.00 minimum opening deposit. Dividends are compounded daily and paid monthly on a calendar month basis. Variable APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50,000 and upMinimum balance to earn stated APY is $50,000.00.$50,000 and up | 2.00% | — | Minimum balance to earn stated APY is $50,000.00. |
Main Share Savings
0.15%APY
Holds $5.00 share of ownership. Dividends are compounded monthly and credited monthly on a calendar month basis. Variable APY subject to change at any time without notice.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,500Minimum balance to earn stated APY is $2,500.00 according to schedule. | 0.05% | — | Minimum balance to earn stated APY is $2,500.00 according to schedule. |
| $2,500 – $5,000Minimum balance to earn stated APY is $2,500.00. | 0.10% | — | Minimum balance to earn stated APY is $2,500.00. |
| $5,000 and upMinimum balance to earn stated APY is $2,500.00. | 0.15% | $15 | Minimum balance to earn stated APY is $2,500.00. |
Money Mint Share Account
0.10%APY
Maximum of six (6) withdrawals per month. Dividends are compounded daily and paid monthly on a calendar month basis. Minimum opening deposit is $5,000.00. Minimum balance to earn stated APY is $1,000.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $5,000Maximum 6 withdrawals per month. | 0.05% | — | Maximum 6 withdrawals per month. |
| $5,000 – $75,000Maximum 6 withdrawals per month. | 0.10% | $10 | Maximum 6 withdrawals per month. |
| $75,000 and upMaximum 6 withdrawals per month. | 0.15% | — | Maximum 6 withdrawals per month. |
Sources (2)
All captured Oct 15, 2026
Save 4 It
0.10%APY
Interest is compounded monthly and paid monthly on a calendar month basis. Variable APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.05% | — |
| $5,000 – $25,000 | 0.10% | $10 |
| $25,000 – $50,000 | 0.10% | — |
| $50,000 – $75,000 | 0.10% | — |
| $75,000 and up | 0.15% | — |
Special-purpose accounts
Special Kids Share
0.10%APY
Primary member must be under the age of 18 at account opening. Earns 6.00% APY (5.84% dividend rate) on the first $500.00; promotional 10% APY (9.57% dividend rate) offered from time to time on the first $500.00. Amounts above $500.00 earn standard tiered rates resulting in an APY of 0.05% to 10%. Interest compounded and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Promotional rate offered from time to time on the first $500.00 of balance. | 10.00% | — | Promotional rate offered from time to time on the first $500.00 of balance. |
| Up to $500Paid on the first $500.00 of balance. | 6.00% | — | Paid on the first $500.00 of balance. |
| Up to $5,000Standard tier rate applicable to balance exceeding $500.00. | 0.05% | — | Standard tier rate applicable to balance exceeding $500.00. |
| $5,000 – $25,000Standard tier rate. | 0.10% | $10 | Standard tier rate. |
| $25,000 – $50,000Standard tier rate. | 0.10% | — | Standard tier rate. |
| $50,000 – $75,000Standard tier rate. | 0.10% | — | Standard tier rate. |
| $75,000 and upStandard tier rate. | 0.15% | — | Standard tier rate. |
Sources (2)
All captured Oct 5, 2026
True Student Savings
0.10%APY
Designed for college students enrolled in a college, university, or community college at account opening. Rates valid for 5 years from account opening, after which base rates apply. Variable APY.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Standard base rate applicable to balances over $1,000.00 or after 5 years. | 0.05% | — | Standard base rate applicable to balances over $1,000.00 or after 5 years. |
| Up to $1,000Requires active TRUE Student Checking Account. Applies to balances up to $1,000.00; remainder earns base tier rates. | 10.00% | — | Requires active TRUE Student Checking Account. Applies to balances up to $1,000.00; remainder earns base tier rates. |
| Up to $1,000Without True Student Checking. Applies to balances up to $1,000.00; remainder earns base tier rates. | 6.00% | — | Without True Student Checking. Applies to balances up to $1,000.00; remainder earns base tier rates. |
| $5,000 – $25,000Standard base rate tier. | 0.10% | $10 | Standard base rate tier. |
| $25,000 – $50,000Standard base rate tier. | 0.10% | — | Standard base rate tier. |
| $50,000 – $75,000Standard base rate tier. | 0.10% | — | Standard base rate tier. |
| $75,000 and upStandard base rate tier. | 0.15% | — | Standard base rate tier. |
IRA Savings Account
0.50%APY
Offered as Traditional, Roth, and Educational (Coverdell) IRA Savings Accounts. Dividends are compounded monthly and paid monthly on a calendar month basis. Variable APY subject to change without notice. Minimum opening deposit is $5.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $5,000Schedule lists minimum balance to earn stated APY as $5,000.00. | 0.45% | — | Schedule lists minimum balance to earn stated APY as $5,000.00. |
| $5,000 – $25,000Minimum balance to earn stated APY is $5,000.00. | 0.50% | $50 | Minimum balance to earn stated APY is $5,000.00. |
| $25,000 – $125,000Minimum balance to earn stated APY is $5,000.00. | 0.95% | — | Minimum balance to earn stated APY is $5,000.00. |
| $125,000 – $250,000Minimum balance to earn stated APY is $5,000.00. | 1.85% | — | Minimum balance to earn stated APY is $5,000.00. |
| $250,000 and upMinimum balance to earn stated APY is $5,000.00. | 2.25% | — | Minimum balance to earn stated APY is $5,000.00. |
Holiday Club
0.10%APY
All funds will be transferred to the member's draft account on or after November 1st of each year. If a withdrawal is made at any time before November 1st, all accrued interest will be forfeited and the account will be closed.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.05% | — |
| $5,000 – $25,000 | 0.10% | $10 |
| $25,000 – $50,000 | 0.10% | — |
| $50,000 – $75,000 | 0.10% | — |
| $75,000 and up | 0.15% | — |
Share Kids
0.10%APY
Interest is compounded monthly and paid monthly on a calendar month basis. Variable APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.05% | — |
| $5,000 – $25,000 | 0.10% | $10 |
| $25,000 – $50,000 | 0.10% | — |
| $50,000 – $75,000 | 0.10% | — |
| $75,000 and up | 0.15% | — |
Sources (1)
- championsfirst.org/rates · captured Oct 15, 2026
Summer Pay Club
0.10%APY
Interest is compounded monthly and paid monthly on a calendar month basis. Variable APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.05% | — |
| $5,000 – $25,000 | 0.10% | $10 |
| $25,000 – $50,000 | 0.10% | — |
| $50,000 – $75,000 | 0.10% | — |
| $75,000 and up | 0.15% | — |
Sources (1)
- championsfirst.org/rates · captured Oct 15, 2026
Youth Savings
0.10%APY
Rates vary by balance tier. Variable APY. Youth savings may earn 6%, 7%, or 10% APY on the first $500 and that the remainder earns the applicable rate. Special Share Kids earn 6% APY on the first $500; promotional 10% APY offered from time to time on the first $500. Primary member must be under the age of 18 at account opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000First tier rate. | 0.05% | — | First tier rate. |
| $5,000 – $25,000Second tier rate. | 0.10% | $10 | Second tier rate. |
| $25,000 – $50,000Third tier rate. | 0.10% | — | Third tier rate. |
| $50,000 – $75,000Fourth tier rate. | 0.10% | — | Fourth tier rate. |
| $75,000 and upHighest tier rate. | 0.15% | — | Highest tier rate. |
Sources (1)
- championsfirst.org/bank/savings · captured Oct 15, 2026
Who can join Champions First Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives or works in Bay, Calhoun, Columbia, Escambia, Franklin, Gadsden, Gulf, Holmes, Jackson, Jefferson, Leon, Liberty, Okaloosa, Santa Rosa, Taylor, Wakulla, Walton, or Washington counties is eligible for membership.
Employers and groups
- Employees of Champions First Credit Union are eligible for membership.
- Members and employees of businesses that do business with or have offices at FSU are eligible for membership.
- Members and employees of organizations that are part of the FSU community are eligible for membership.
Military, government and schools
- FSU faculty and staff are eligible for membership.
- FSU students in good academic standing are eligible for membership.
1 more way to join
Family and household
- Family members of existing Champions First Credit Union members are eligible for membership.
Membership information collected October 5, 2026.