Credit union · NCUA insured
City Credit Union Savings Rates
City Credit Union’s best savings rate is 1.45% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How City Credit Union’s savings rates compare
Compared with banks and credit unions near Dallas, TX, where City Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
City Credit Union
1.45%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $145
Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nizari Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
City Credit Union savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0001.45%
- $100,000 balance$100,0001.75%
- QualifiedQualified1.45%
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 City 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
1.45%APY
Tiered rate account; once a particular balance range is met, the dividend rate and APY for that balance range apply to the full balance of the account. Minimum daily balance of $2,500 required to avoid a service fee. Must purchase and maintain 1 share ($0.00 par value) as a condition of membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $25,000 | 1.45% | $145 |
| $25,000 – $50,000 | 1.55% | — |
| $50,000 – $100,000 | 1.65% | — |
| $100,000 and up | 1.75% | — |
Sources (3)
- citycu.org/rates/deposit-rates.html
- citycu.org/accounts/savings.html
- citycu.org/assets/documents/TIS-9-30-2026.pdf
All captured Oct 16, 2026
Additional Savings
0.20%APY
Dividends calculated by daily balance method, compounded and credited monthly. If account is closed before accrued dividends are credited, accrued dividends will not be received.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum opening deposit is $5. Minimum daily balance of $100 required to earn the stated APY. Dividends compounded and credited monthly.$100 and up | 0.20% | $20 | Minimum opening deposit is $5. Minimum daily balance of $100 required to earn the stated APY. Dividends compounded and credited monthly. |
Sources (1)
- citycu.org/assets/documents/TIS-9-30-2026.pdf · captured Oct 16, 2026
Primary Savings
0.20%APY
Share account that comes with every City CU membership. Dividends calculated by daily balance method, compounded and credited monthly. If account is closed before accrued dividends are credited, accrued dividends will not be received.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum opening deposit is $5. Minimum daily balance of $100 required to earn the stated APY. Dividends compounded and credited monthly.$100 and up | 0.20% | $20 | Minimum opening deposit is $5. Minimum daily balance of $100 required to earn the stated APY. Dividends compounded and credited monthly. |
Sources (4)
- citycu.org/rates/deposit-rates.html
- citycu.org/rates/index.html
- citycu.org/accounts/savings.html
- citycu.org/assets/documents/TIS-9-30-2026.pdf
All captured Oct 16, 2026
Special-purpose accounts
IRA Savings
0.50%APY
Enables saving for retirement with tax-free growth or on a tax-deferred basis. Available in Traditional IRA and Roth IRA wrappers. Dividends calculated by daily balance method, compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upApplies to Traditional and Roth IRA savings. Minimum opening deposit is $250.00; minimum daily balance to earn APY is $250.00. Dividends compounded and credited monthly.$250 and up | 0.50% | $50 | Applies to Traditional and Roth IRA savings. Minimum opening deposit is $250.00; minimum daily balance to earn APY is $250.00. Dividends compounded and credited monthly. |
Holiday Helper
0.25%APY
Contribute to this account monthly to save for the holidays. Unlimited deposits throughout the year; savings automatically transferred on November 1. Dividends calculated by daily balance method, compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum opening deposit is $5. Minimum daily balance to earn APY is $100. Savings automatically transferred on November 1. Dividends compounded and credited monthly.$100 and up | 0.25% | $25 | Minimum opening deposit is $5. Minimum daily balance to earn APY is $100. Savings automatically transferred on November 1. Dividends compounded and credited monthly. |
Sources (4)
- citycu.org/rates/deposit-rates.html
- citycu.org/rates/index.html
- citycu.org/accounts/savings.html
- citycu.org/assets/documents/TIS-9-30-2026.pdf
All captured Oct 16, 2026
Who can join City 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, worship, or attend school in Dallas, Collin, Denton, Tarrant, Rockwall, Kaufman, Ellis, Grayson, Cooke, Hunt, Parker, Wise, and Johnson counties in Texas.
Employers and groups
- Membership is open to individuals who work for or belong to one of City CU's Select Employer Groups (SEG).
Family and household
- Membership is open to individuals who have a family member who is a City CU member.
Membership information collected October 5, 2026.