Credit union · NCUA insured
Coosa Pines Federal Credit Union Savings Rates
Top CarrotCoosa Pines Federal Credit Union’s best savings rate is 3.00% APY on $10,000, with its Money Market Share Account. Rates checked October 22, 2026.
How Coosa Pines Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Birmingham, AL, where Coosa Pines Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Coosa Pines Federal Credit Union
3.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $300
Money Market Share Account
Top rate
Guardian Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $400
2nd-highest rate
SouthPoint Bank
4.00%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $400
Coosa Pines Federal Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.55%
- $10,000 balance$10,0003.00%
- $100,000 balance$100,0003.00%
- QualifiedQualified3.00%
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.
Where Coosa Pines 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.
Money Market Share Account
3.00%APY
Requires a $2,500.00 minimum opening deposit. Account remains active/open with as little as $5.00 on deposit. Dividends are declared on the first of each month, calculated based on average daily balance, and paid monthly. Up to 3 free withdrawals or transfers monthly; exceeding 3 per month incurs a $10.00 fee per transaction.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Tier First ($0.00 - $2,499.00). | 3.00% | — | Tier First ($0.00 - $2,499.00). |
| $2,499 – $24,999Tier Second ($2,499.01 - $24,999.00). | 3.00% | $300 | Tier Second ($2,499.01 - $24,999.00). |
| $24,999 – $99,999Tier Third ($24,999.01 - $99,999.00). | 3.00% | — | Tier Third ($24,999.01 - $99,999.00). |
| $99,999 – $199,999Tier Fourth ($99,999.01 - $199,999.00). | 3.00% | — | Tier Fourth ($99,999.01 - $199,999.00). |
| Over $199,999Tier Fifth ($199,999.01 and over). | 3.00% | — | Tier Fifth ($199,999.01 and over). |
Sources (2)
All captured Oct 5, 2026
Regular Share (Savings)
0.55%APY
Serves as the foundation of credit union membership and grants one share/vote. Dividends are declared at the end of each quarter, calculated on average daily balance, paid and compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance (par value) of $5.00 required to open and earn stated APY. Dividends calculated on average daily balance, paid and compounded quarterly.$5 and up | 0.55% | $55 | Minimum balance (par value) of $5.00 required to open and earn stated APY. Dividends calculated on average daily balance, paid and compounded quarterly. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Account (IRA) - Traditional and Roth
2.00%APY
Traditional and Roth IRA savings options. Contributions permitted anytime; transfers available from share savings or checking.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum deposit to open is $100.00, which is also the minimum balance required to earn stated APY. Dividends declared at the end of each quarter, calculated on average daily balance, paid and compounded quarterly.$100 and up | 2.00% | $200 | Minimum deposit to open is $100.00, which is also the minimum balance required to earn stated APY. Dividends declared at the end of each quarter, calculated on average daily balance, paid and compounded quarterly. |
Sources (2)
All captured Oct 5, 2026
Club Accounts (Christmas & Vacation Club)
0.55%APY
Designed for specific savings goals like holidays or vacations; allows deposits and withdrawals anytime during the year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance of $5.00 required to open and earn stated APY. Quarterly dividends declared at the end of each quarter, calculated on average daily balance, paid and compounded quarterly.$5 and up | 0.55% | $55 | Minimum balance of $5.00 required to open and earn stated APY. Quarterly dividends declared at the end of each quarter, calculated on average daily balance, paid and compounded quarterly. |
Sources (2)
All captured Oct 5, 2026
Who can join Coosa Pines 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
- Persons who live, work, worship, or attend school in and businesses and other legal entities located within Clay, Coosa, Jefferson, Shelby, St. Clair, and Talladega Counties, Alabama are eligible for membership.
Employers and groups
- Employees of Coosa Pines Federal Credit Union are eligible for membership.
- Organizations of eligible persons are eligible for membership.
Family and household
- Immediate family members (including step and adoptive relationships) and household members of existing credit union members are eligible for membership regardless of residency.
Other ways
- Spouses of persons who died while within the field of membership of this credit union are eligible to join.
Cost to join
- Joining requires a minimum opening deposit of $5.00 to a share/savings account.
Membership information collected October 4, 2026.