Credit union · NCUA insured
Chocolate Bayou Community Federal Credit Union Savings Rates
Top CarrotChocolate Bayou Community Federal Credit Union’s best savings rate is 0.08% APY on $10,000, with its Money Market (EMMA). Rates checked October 16, 2026.
How Chocolate Bayou Community Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Houston, TX, where Chocolate Bayou Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Chocolate Bayou Community Federal Credit Union
0.08%APY
- Earns on $10,000 a year
- $8
Money Market (EMMA)
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Earns on $10,000 a year
- $513
2nd-highest rate
Nizari Credit Union
4.00%APY
- Earns on $10,000 a year
- $400
Chocolate Bayou Community Federal Credit Union savings score
63
Savings score
Higher than 8% of U.S. banks and credit unions
- $1,000 balance$1,0000.08%
- $10,000 balance$10,0000.08%
- $100,000 balance$100,0000.08%
- QualifiedQualified0.08%
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 Chocolate Bayou Community 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 (EMMA)
0.08%APY
Share accounts are compounded daily and paid monthly. Rates may change after account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to earn dividends is $50. Compounded daily and paid monthly.$50 and up | 0.08% | $8 | Minimum balance to earn dividends is $50. Compounded daily and paid monthly. |
Sources (1)
- chocolatebayou.org/deposit-rates · captured Sep 17, 2026
Primary Savings
0.05%APY
Members may have up to 2 primary basic Savings Accounts. Compounded daily, paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to earn dividends is $50. Compounded daily and paid monthly.$50 and up | 0.05% | $5 | Minimum balance to earn dividends is $50. Compounded daily and paid monthly. |
Secondary Savings
0.05%APY
Compounded daily, paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to earn dividends is $50. Compounded daily and paid monthly.$50 and up | 0.05% | $5 | Minimum balance to earn dividends is $50. Compounded daily and paid monthly. |
Special-purpose accounts
IRA Savings
0.10%APY
Compounded daily, paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to earn dividends is $50. Compounded daily and paid monthly.$50 and up | 0.10% | $10 | Minimum balance to earn dividends is $50. Compounded daily and paid monthly. |
Christmas Club Savings
0.05%APY
Members may have 1 primary Christmas Club Savings Account. Open withdrawal period each year (November 15 through January 15). $5 fee assessed if emergency access to funds is needed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to earn dividends is $50. Open withdrawal period each year from November 15 through January 15. Compounded daily and paid monthly.$50 and up | 0.05% | $5 | Minimum balance to earn dividends is $50. Open withdrawal period each year from November 15 through January 15. Compounded daily and paid monthly. |
Mudbug Kids' Savings Club
0.05%APY
Created for children age 0 – 12. Compounded daily, paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to earn dividends is $50. For children age 0 to 12. Compounded daily and paid monthly.$50 and up | 0.05% | $5 | Minimum balance to earn dividends is $50. For children age 0 to 12. Compounded daily and paid monthly. |
Vacation Savings
0.05%APY
Members may have 1 primary Vacation Savings Account. Compounded daily, paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to earn dividends is $50. Compounded daily and paid monthly.$50 and up | 0.05% | $5 | Minimum balance to earn dividends is $50. Compounded daily and paid monthly. |
Who can join Chocolate Bayou Community 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
- Individuals who live, work, or worship in Brazoria County are eligible for membership.
Employers and groups
- Employees of Monsanto Chemical Company, Conoco, and Alvin Community College have gained membership eligibility as service groups.
Membership information collected October 5, 2026.