Credit union · NCUA insured
Christiansted Federal CU Savings Rates
Christiansted Federal CU’s best savings rate is 0.15% APY on $10,000, with its Shares. Rates checked October 22, 2026.
How Christiansted Federal CU’s savings rates compare
Compared with banks and credit unions in United States Virgin Islands, where Christiansted Federal CU has the most branches. $10,000, best rate first.
This credit union’s best
Christiansted Federal CU
0.15%APY
- Minimum
- $26
- Earns on $10,000 a year
- $15
Shares
Top rate
PenFed Credit Union
2.70%APY
- Minimum
- $5
- Earns on $10,000 a year
- $270
2nd-highest rate
St. Thomas Federal Credit Union
0.50%APY
- Minimum
- —
- Earns on $10,000 a year
- $50
Christiansted Federal CU savings score
67
Savings score
Higher than 18% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.15%
- 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 Christiansted Federal CU 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.
Shares
0.15%APY
Basic savings account that establishes credit union membership. Dividends are calculated on the average daily balance, paid and compounded quarterly. Share accounts are variable rate accounts subject to change without notice. Minimum average daily balance may be required to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upVariable rate account. Minimum average daily balance may be required to earn dividends. Dividends calculated on average daily balance, paid and compounded quarterly. Fees could reduce earnings.$25 and up | 0.15% | $15 | Variable rate account. Minimum average daily balance may be required to earn dividends. Dividends calculated on average daily balance, paid and compounded quarterly. Fees could reduce earnings. |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
Christmas Club
0.15%APY
Expired as of page header; Accurate as of February 1, 2023. Money available for the following year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.15% | $15 |
Sources (2)
All captured Sep 19, 2026
Vacation Club
0.15%APY
Earns dividends immediately with no minimum balance requirement. Scheduled deposits available through automatic transfer or payroll deduction. Account can be set up any time during the year. Share accounts are variable rate accounts subject to change without notice.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate account. Begin earning dividends immediately with no minimum balance requirement. Fees could reduce earnings.Any balance | 0.15% | $15 | Variable rate account. Begin earning dividends immediately with no minimum balance requirement. Fees could reduce earnings. |
Sources (2)
All captured Sep 19, 2026
Who can join Christiansted Federal CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to those who live or work within the Christiansted District.
Family and household
- Open to immediate family members of a current member of the Credit Union.
Cost to join
- Requires a $25.00 minimum balance to keep account open and active.
Membership information collected October 4, 2026.