Credit union · NCUA insured
Chemcel FCU Savings Rates
Chemcel FCU’s best savings rate is 0.40% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Chemcel FCU’s savings rates compare
Compared with banks and credit unions near Corpus Christi, TX, where Chemcel FCU has the most branches. $10,000, best rate first.
This credit union’s best
Chemcel FCU
0.40%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $40
Money Market Account
Top rate
PlainsCapital Bank
3.40%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $340
2nd-highest rate
Rally Credit Union
3.30%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $330
Chemcel FCU savings score
76
Savings score
Higher than 40% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.60%
- QualifiedQualified0.40%
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 Chemcel FCU 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 Account
0.40%APY
Avoid the $10 monthly maintenance fee by maintaining a $2,000 minimum balance. 6 free transactions per month by pre-authorized automatic, telephone, checks, drafts, debit cards, or other similar order; $5 per transaction in excess thereafter. $2,000 minimum deposit to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $24,999Monthly maintenance fee waived by maintaining a $2,000 minimum balance. | 0.40% | $40 | Monthly maintenance fee waived by maintaining a $2,000 minimum balance. |
| $25,000 – $74,999Monthly maintenance fee waived by maintaining a $2,000 minimum balance. | 0.50% | — | Monthly maintenance fee waived by maintaining a $2,000 minimum balance. |
| $75,000 and upMonthly maintenance fee waived by maintaining a $2,000 minimum balance. | 0.60% | — | Monthly maintenance fee waived by maintaining a $2,000 minimum balance. |
Sources (2)
- chemcel.org/benefits-resources…and-resources/rates.html
- chemcel.org/accounts/personal-…oney-market-account.html
All captured Sep 17, 2026
Regular Savings Account
0.15%APY
Makes member and partial owner of credit union. $1 monthly maintenance fee if balance drops below $5. 6 free transactions per month by pre-authorized automatic, telephone, drafts, or debit cards. Unlimited in-person withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $24,999 | 0.15% | $15 |
| $25,000 – $74,999 | 0.30% | — |
| $75,000 and up | 0.45% | — |
Special-purpose accounts
Individual Retirement Accounts (IRAs)
1.00%APY
Traditional and Roth options available. No setup fees, monthly or annual maintenance fees. Early withdrawal penalties may apply. Annual contribution limit $5,500 ($1,000 catch-up for age 50+).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.00% | $100 |
Christmas Club Account
0.45%APY
Funds released on November 1st (or October 31st). Early withdrawal may result in a penalty. No monthly maintenance fee. No minimum balance requirements.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.45% | $45 |
Who can join Chemcel FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, conduct business, worship, or attend school in Jim Wells, Kleberg, or Nueces County, Texas, as well as businesses and other legal entities there, are eligible for membership.
Employers and groups
- Employees of Celanese Corporation working in or supervised from the Bishop plant, Clear Lake plant, Bay City plant, or Dallas office are eligible for membership.
- Retirees of Celanese Corporation's Bishop plant, Clear Lake plant, Bay City plant, or Dallas office are eligible for membership.
Family and household
- Immediate family members of a current Chemcel Federal Credit Union member are eligible for membership.
Membership information collected October 5, 2026.