Credit union · NCUA insured
City Federal Credit Union Savings Rates
City Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Primary Savings. Rates checked October 16, 2026.
How City Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Amarillo, TX, where City Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
City Federal Credit Union
0.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $50
Special Savings
Top rate
First National Bank of Hereford
3.03%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $303
2nd-highest rate
First National Bank Texas
2.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $200
City Federal Credit Union savings score
77
Savings score
Higher than 43% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.50%
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 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.
Primary Savings
0.50%APY
Opening a Primary Savings account establishes credit union membership and requires maintaining a $20 minimum balance requirement to remain a member.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Rates are variable and may change after account opening. Dividends are credited and compounded monthly. | 0.05% | — | Rates are variable and may change after account opening. Dividends are credited and compounded monthly. |
| $2,500 and upRates are variable and may change after account opening. Dividends are credited and compounded monthly. | 0.50% | $50 | Rates are variable and may change after account opening. Dividends are credited and compounded monthly. |
Sources (2)
All captured Oct 6, 2026
Special Savings
0.50%APY
Used to put away funds for a specific purchase, event, or expense.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Rates are variable and may change after account opening. Dividends are credited and compounded monthly. | 0.05% | — | Rates are variable and may change after account opening. Dividends are credited and compounded monthly. |
| $2,500 and upRates are variable and may change after account opening. Dividends are credited and compounded monthly. | 0.50% | $50 | Rates are variable and may change after account opening. Dividends are credited and compounded monthly. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Savings
1.00%APY
Traditional IRA savings account. Contributions may be tax deductible and earnings are not taxed until withdrawn.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to all balances. Rates are variable and may change after account opening. Dividends are credited and compounded monthly.Any balance | 1.00% | $100 | Applies to all balances. Rates are variable and may change after account opening. Dividends are credited and compounded monthly. |
Sources (3)
- cityfederalcu.com/accounts/deposit-rates
- cityfederalcu.com/accounts/ira-savings
- cityfederalcu.com/accounts/savings
All captured Oct 6, 2026
Who can join City 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
- Membership is available to anyone who lives, works, worships, or attends school in, and businesses and other legal entities located within, Amarillo, TX.
Family and household
- Immediate family members of current City FCU members (spouse, children, step-children, parents, step-parents, siblings, step-siblings, grandchildren, grandparents) are eligible to join.
Cost to join
- Opening a Primary Savings account requires a minimum deposit of $20 to establish membership.
Membership information collected October 5, 2026.