Community Resource Credit Union Savings & Money Market Rates

How Community Resource Credit Union’s savings rates compare

Compared with banks and credit unions near Houston, TX, where Community Resource Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Community Resource Credit Union
1.00%APY
Minimum
$500
Earns on $10,000 a year
$100
Freedom Money Market
Top rate
Heritage Hub Federal Credit Union
5.13%APY
Minimum
—
Earns on $10,000 a year
$513
Heritage Hub Federal Credit Union rates
2nd-highest rate
Nizari Credit Union
4.00%APY
Minimum
—
Earns on $10,000 a year
$400
Nizari Credit Union rates

Compare savings rates near you →

Savings score

Higher than 72% of U.S. banks and credit unions

By balance

$1,000 balance$1,0001.00%
$10,000 balance$10,0001.00%
$100,000 balance$100,0002.00%
QualifiedQualified1.00%

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.

How the score works →

Where Community Resource 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.

CoRe Ownership Savings

8.00%APY$5 to open

Introductory launch rate for qualifying members. Only promotional credits, Swipe & Save transfers, and dividend transfers from eligible CRCU deposit accounts are permitted into the account (no manual deposits, direct deposit, or bill pay). Dividend transfers limited to $3,000 per calendar year. Swipe & Save transfers limited to $500 per month and $1,000 per calendar year. New members joining after April 6, 2026 receive account automatically with checking; existing members joined prior must manually enroll.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceIntroductory launch APY. Requires $5 minimum opening deposit. Funding restricted to Swipe & Save ($500/mo, $1,000/yr limits) and dividend transfers ($3,000/yr limit).Any balance	8.00%	$800	Introductory launch APY. Requires $5 minimum opening deposit. Funding restricted to Swipe & Save ($500/mo, $1,000/yr limits) and dividend transfers ($3,000/yr limit).

Sources (4)

All captured Oct 6, 2026

Freedom Money Market

1.00%APY$500 to open

CRCU membership required. $10 monthly service fee applies if average daily balance falls below $500.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,000$10 monthly service fee waived with $500 average daily balance.	0.50%	—	$10 monthly service fee waived with $500 average daily balance.
$1,000 – $5,000$10 monthly service fee waived with $500 average daily balance.	1.00%	—	$10 monthly service fee waived with $500 average daily balance.
$5,000 – $15,000$10 monthly service fee waived with $500 average daily balance.	1.00%	$100	$10 monthly service fee waived with $500 average daily balance.
$15,000 – $25,000$10 monthly service fee waived with $500 average daily balance.	1.00%	—	$10 monthly service fee waived with $500 average daily balance.
$25,000 – $50,000$10 monthly service fee waived with $500 average daily balance.	1.30%	—	$10 monthly service fee waived with $500 average daily balance.
$50,000 – $100,000$10 monthly service fee waived with $500 average daily balance.	1.60%	—	$10 monthly service fee waived with $500 average daily balance.
$100,000 – $250,000$10 monthly service fee waived with $500 average daily balance.	2.00%	—	$10 monthly service fee waived with $500 average daily balance.
$250,000 and up$10 monthly service fee waived with $500 average daily balance.	2.25%	—	$10 monthly service fee waived with $500 average daily balance.

Sources (2)

All captured Oct 6, 2026

Regular Savings

0.10%APY$5 to open

Requires $5 minimum opening balance to maintain membership. Average daily balance of $100 required to earn disclosed APY. Interest compounded and paid monthly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upRequires $5 to open and $100 average daily balance to obtain disclosed APY. Interest is compounded and paid monthly.$100 and up	0.10%	$10	Requires $5 to open and $100 average daily balance to obtain disclosed APY. Interest is compounded and paid monthly.

Sources (3)

All captured Oct 6, 2026

Special-purpose accounts

Coverdell IRA Savings

0.60%APYIRA$100 to open

Education IRA savings account.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $50,000Minimum balance required to open and earn advertised APY is $100.	0.60%	$60	Minimum balance required to open and earn advertised APY is $100.
$50,000 – $100,000Tier applies to balances between $50,000 and $99,999.99.	0.65%	—	Tier applies to balances between $50,000 and $99,999.99.
$100,000 – $250,000Tier applies to balances between $100,000 and $249,999.99.	0.70%	—	Tier applies to balances between $100,000 and $249,999.99.
$250,000 and upTier applies to balances of $250,000 and over.	0.75%	—	Tier applies to balances of $250,000 and over.

Sources (1)

crcu.org/resources/resources-and-tools/rates-and-fees · captured Oct 6, 2026

Traditional/Roth IRA Savings

0.60%APYIRA$100 to open

Available as Traditional or Roth IRA savings. No monthly account service fees. Early-withdrawal fees and IRS penalties may apply.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $50,000Minimum balance required to open and earn advertised APY is $100.	0.60%	$60	Minimum balance required to open and earn advertised APY is $100.
$50,000 – $100,000Tier applies to balances between $50,000 and $99,999.99.	0.65%	—	Tier applies to balances between $50,000 and $99,999.99.
$100,000 – $250,000Tier applies to balances between $100,000 and $249,999.99.	0.70%	—	Tier applies to balances between $100,000 and $249,999.99.
$250,000 and upTier applies to balances of $250,000 and over.	0.75%	—	Tier applies to balances of $250,000 and over.

Sources (5)

All captured Oct 6, 2026

Christmas Club Savings

0.10%APYClub

No minimum balance to open or maintain with an open share product. Minimum $100.00 average daily balance required to earn interest. No ATM or debit card access. Funds cannot be used as collateral or for overdraft protection. If closed before interest is paid, accrued interest is forfeited.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upNo minimum to open with an open share product. $100 average daily balance required to obtain disclosed APY. Interest compounded and credited monthly.$100 and up	0.10%	$10	No minimum to open with an open share product. $100 average daily balance required to obtain disclosed APY. Interest compounded and credited monthly.

Sources (3)

All captured Oct 6, 2026

HSA Family Savings

0.10%APYHSA$5 to open

Requires qualification under a family High Deductible Health Plan (HDHP). No monthly service fee. Debit cards not offered; starter checks provided. Non-qualified medical withdrawals before age 65 subject to income tax and 10% IRS penalty.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upRequires $5 to open and $100 average daily balance to obtain disclosed APY. Interest is compounded and credited monthly.$100 and up	0.10%	$10	Requires $5 to open and $100 average daily balance to obtain disclosed APY. Interest is compounded and credited monthly.

Sources (3)

All captured Oct 6, 2026

HSA Single Savings

0.10%APYHSA$5 to open

Requires qualification under a High Deductible Health Plan (HDHP). No monthly service fee. Debit cards not offered; starter checks provided. Non-qualified medical withdrawals before age 65 subject to income tax and 10% IRS penalty.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceRequires $5 to open. Interest is compounded and credited monthly.Any balance	0.10%	$10	Requires $5 to open. Interest is compounded and credited monthly.

Sources (3)

All captured Oct 6, 2026

Sprout Savings

0.10%APYKids and teens$5 to open

Available to children ages 0 to 13. Parent or guardian required as joint owner. No monthly maintenance fee.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upAvailable to children ages 0-13 with a parent/guardian joint owner. Requires $5 to open and $100 average daily balance to obtain disclosed APY.$100 and up	0.10%	$10	Available to children ages 0-13 with a parent/guardian joint owner. Requires $5 to open and $100 average daily balance to obtain disclosed APY.

Sources (3)

All captured Oct 6, 2026

Who can join Community Resource Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Persons who work, reside, worship, or attend school, businesses in Harris County, Texas, and their immediate family members are eligible.
Persons who work, reside, worship, or attend school, and businesses located within the boundaries of Goose Creek, Barbers Hill, Crosby, Dayton, Huffman, Humble, Liberty, and New Caney ISDs are eligible.
Persons who work, reside, worship, or attend school, businesses in Liberty or Chambers County, Texas, and their immediate family members are eligible.
Persons who work, reside, worship, or attend school, and businesses located within the boundaries of Lynchburg, Texas are eligible.
Persons who work, reside, worship, or attend school, businesses in Montgomery County, Texas, and their immediate family members are eligible.

Employers and groups

Members of Cornerstone Credit Union Foundation are eligible for membership.

5 more ways to join

Employers and groups

Persons receiving retirement, pension, or other benefits as results of prior employment by any business or organization included within the field of membership are eligible.
Groups of employees or members of companies or associations located within reasonable geographic proximity of a credit union office with written evidence of desire to be eligible are eligible.

Military, government and schools

Members of record of Baytown Teachers Credit Union as of its merger date, including school and government employees working or residing in Chambers County, are eligible.

Other ways

Any business or organization whose employees or members are within the credit union's field of membership is eligible.
Scholarship fund accounts associated with living or deceased members, organizations, or clubs within the field of membership are eligible.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

← Community Resource Credit Union overview

How Community Resource Credit Union’s savings rates compare

Community Resource Credit Union savings score

Current savings rates

CoRe Ownership Savings

Freedom Money Market

Regular Savings

Special-purpose accounts

Coverdell IRA Savings

Traditional/Roth IRA Savings

Christmas Club Savings

HSA Family Savings

HSA Single Savings

Sprout Savings

Who can join Community Resource Credit Union

Where you live or work

Employers and groups

Employers and groups

Military, government and schools

Other ways