Credit union · NCUA insured
Cochise Credit Union Savings Rates
Top CarrotCochise Credit Union’s best savings rate is 1.66% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Cochise Credit Union’s savings rates compare
Compared with banks and credit unions near Sierra Vista, AZ, where Cochise Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Cochise Credit Union
1.66%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $166
Money Market Account
Top rate
Vantage West Credit Union
4.00%APY
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000 a year
- $400
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
Cochise Credit Union savings score
88
Savings score
Higher than 82% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.66%
- $100,000 balance$100,0002.17%
- QualifiedQualified1.66%
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 Cochise 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 Account
1.66%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $19,999 | 1.66% | $166 |
| $20,000 – $74,999 | 1.92% | — |
| $75,000 and up | 2.17% | — |
Share (savings) Account
0.10%APY
Must establish Credit Union Membership. Dividends are compounded and paid quarterly when you maintain an average daily balance of $25 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends compounded and paid quarterly on average daily balance of $25 or more. Fees could reduce earnings.$25 and up | 0.10% | $10 | Dividends compounded and paid quarterly on average daily balance of $25 or more. Fees could reduce earnings. |
Sources (1)
- cochisecu.com/accounts.html · captured Sep 16, 2026
Special-purpose accounts
IRA - Individual Retirement Accounts
0.40%APY
Offers Traditional and Roth IRAs with variable interest rate declared quarterly. No minimum balance required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable interest rate declared quarterly. Fees could reduce earnings.Any balance | 0.40% | $40 | Variable interest rate declared quarterly. Fees could reduce earnings. |
Sources (1)
- cochisecu.com/accounts.html · captured Sep 16, 2026
Christmas Club Account
0.15%APY
No minimum balance required; deposit each month until November.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFees could reduce earnings.Any balance | 0.15% | $15 | Fees could reduce earnings. |
Sources (1)
- cochisecu.com/accounts.html · captured Sep 16, 2026
Youth Accounts
0.10%APY
Can be opened with as little as $5.00, which stays in the account throughout membership. Converts into a regular Membership Share Account upon reaching 18th birthday.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum Balance to receive dividends. Fees could reduce earnings.$5 and up | 0.10% | $10 | Minimum Balance to receive dividends. Fees could reduce earnings. |
Sources (1)
- cochisecu.com/accounts.html · captured Sep 16, 2026
Who can join Cochise 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 residing or working in zip codes 85643, 85644, 85625, 85605, 85606, and 85632 are eligible for membership.
Employers and groups
- Employees of Sulphur Springs Valley Electric Cooperative (SSVEC), Arizona Electric Power Cooperative (AEPCO), Sierra Southwest Cooperative Services, and Valley Telecom Group are eligible for membership.
Family and household
- Immediate family members of employees of Sulphur Springs Valley Electric Cooperative (SSVEC), Arizona Electric Power Cooperative (AEPCO), Sierra Southwest Cooperative Services, and Valley Telecom Group are eligible for membership.
- Immediate family members of individuals residing or working in zip codes 85643, 85644, 85625, 85605, 85606, and 85632 are eligible for membership.
Cost to join
- Open a Share Account with a deposit of $25 and maintain a balance of at least $25 at all times.
Membership information collected October 4, 2026.