CPS IBEW FCU Savings & Money Market Rates

How CPS IBEW FCU’s savings rates compare

Compared with banks and credit unions near San Antonio, TX, where CPS IBEW FCU has the most branches. $10,000, best rate first.

This credit union’s best
CPS IBEW FCU
1.85%APY
Earns on $10,000 a year
$185
Money Market Account
Top rate
Nizari Credit Union
4.00%APY
Earns on $10,000 a year
$400
Nizari Credit Union rates
2nd-highest rate
MidFirst Bank
4.00%APY
Earns on $10,000 a year
$400
MidFirst Bank rates

Compare savings rates near you →

Savings score

Higher than 83% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.10%
$10,000 balance$10,0001.85%
$100,000 balance$100,0001.90%
QualifiedQualified1.85%

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 CPS IBEW FCU 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

1.85%APY

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$2,500 – $9,999Rate applies to average daily balance tier of $2,500 - $9,999.	1.80%	—	Rate applies to average daily balance tier of $2,500 - $9,999.
$10,000 – $24,999Rate applies to average daily balance tier of $10,000 - $24,999.	1.85%	$185	Rate applies to average daily balance tier of $10,000 - $24,999.
$25,000 and upRate applies to average daily balance tier of $25,000 and over.	1.90%	—	Rate applies to average daily balance tier of $25,000 and over.

Sources (1)

cpsibewfcu.org/rates · captured Sep 17, 2026

Regular Share Savings Account

0.10%APY$5 to open

An initial minimum deposit of $5 is required to become a member. Dividends are credited monthly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividends credited monthly. No minimum balance.Any balance	0.10%	$10	Dividends credited monthly. No minimum balance.

Sources (3)

All captured Oct 16, 2026

Special-purpose accounts

Roth, Educational, and Traditional IRAs

3.81%APYIRA

Includes Roth, Educational, and Traditional IRAs.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	3.81%	$381

Sources (1)

cpsibewfcu.org/rates · captured Oct 16, 2026

Christmas Club Account

1.00%APYClub$5 to open

A Primary Share Account is required to open a Christmas Club Account. On the first business day in November, funds are transferred into the primary Share Account. $10 fee per withdrawal if money is withdrawn earlier than release date.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balance$0 monthly fees. $10 fee per withdrawal if withdrawn earlier than release date. Transfer to primary share account on first business day in November.Any balance	1.00%	$100	$0 monthly fees. $10 fee per withdrawal if withdrawn earlier than release date. Transfer to primary share account on first business day in November.

Sources (3)

All captured Oct 16, 2026

Who can join CPS IBEW FCU

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

Employers and groups

Employees of CPS Energy are eligible to join the credit union.

Family and household

Immediate and extended family members of credit union members are eligible to join.

Cost to join

Opening an account requires a $5 minimum share deposit and two valid forms of identification.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

← CPS IBEW FCU overview