Credit Human Federal Credit Union Savings & Money Market Rates

How Credit Human Federal Credit Union’s savings rates compare

Compared with banks and credit unions near San Antonio, TX, where Credit Human Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Credit Human Federal Credit Union
1.75%APY
Minimum
$1,000
Earns on $10,000 a year
$175
Money Market Savings
Top rate
Nizari Credit Union
4.00%APY
Minimum
—
Earns on $10,000 a year
$400
Nizari Credit Union rates
2nd-highest rate
MidFirst Bank
4.00%APY
Minimum
—
Earns on $10,000 a year
$400
MidFirst Bank rates

Compare savings rates near you →

89

Savings score

Higher than 86% of U.S. banks and credit unions

By balance

$1,000 balance$1,0001.50%
$10,000 balance$10,0001.75%
$100,000 balance$100,0002.11%
QualifiedQualified1.75%

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 Credit Human Federal Credit Union ranks

By savings score, in each area where it has branches

And 3 more areas →

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Money Market Savings

1.75%APY$1,000 to open

Membership eligibility required with a $5.00 deposit in a share savings account. Variable rate calculated daily and subject to change. Up to six free withdrawals per monthly statement cycle ($2 per additional withdrawal). Monthly service fee of $7 is waived with a $1,000 minimum daily balance.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $500Monthly service fee waived with a minimum daily balance of $1,000.	0.30%	—	Monthly service fee waived with a minimum daily balance of $1,000.
$500 – $1,000Monthly service fee waived with a minimum daily balance of $1,000.	0.50%	—	Monthly service fee waived with a minimum daily balance of $1,000.
$1,000 – $10,000Monthly service fee waived with a minimum daily balance of $1,000.	1.50%	—	Monthly service fee waived with a minimum daily balance of $1,000.
$10,000 – $90,000Monthly service fee waived with a minimum daily balance of $1,000.	1.75%	$175	Monthly service fee waived with a minimum daily balance of $1,000.
$90,000 and upMonthly service fee waived with a minimum daily balance of $1,000.	2.11%	—	Monthly service fee waived with a minimum daily balance of $1,000.

Sources (2)

All captured Oct 16, 2026

Share Savings

0.50%APY$5 to open

Credit Human membership begins with an account designed to get you saving. All it takes is a $5 deposit to get started and maintain ownership share. Four free withdrawals per month, $2 fee per withdrawal after that; unlimited free withdrawals with balance of $1,500 or more.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upDividends paid quarterly on daily balances of $100 or more.$100 and up	0.50%	$50	Dividends paid quarterly on daily balances of $100 or more.

Sources (3)

All captured Oct 6, 2026

Special-purpose accounts

Money Fund IRA

1.75%APYMoney marketIRA

Available as Traditional, Roth, and Education IRAs. Membership eligibility required with $5.00 deposited in share savings. Penalty imposed for early withdrawal on tax-deferred instruments. Variable rate subject to change. Balance tier determines daily dividend rate and annual percentage yield on the daily account balance.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $500	0.30%	—
$500 – $1,000	0.50%	—
$1,000 – $10,000	1.50%	—
$10,000 – $90,000	1.75%	$175
$90,000 and up	2.11%	—

Sources (2)

All captured Oct 16, 2026

Roth Money Fund IRA

1.75%APYIRA

Account holders must have earned income or alimony in order to open this type of account. Dividends paid quarterly and calculated using the daily balance method.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $500Tiered dividends paid quarterly on daily account balance.	0.30%	—	Tiered dividends paid quarterly on daily account balance.
$500 – $1,000Tiered dividends paid quarterly on daily account balance.	0.50%	—	Tiered dividends paid quarterly on daily account balance.
$1,000 – $10,000Tiered dividends paid quarterly on daily account balance.	1.50%	—	Tiered dividends paid quarterly on daily account balance.
$10,000 – $90,000Tiered dividends paid quarterly on daily account balance.	1.75%	$175	Tiered dividends paid quarterly on daily account balance.
$90,000 and upTiered dividends paid quarterly on daily account balance.	2.11%	—	Tiered dividends paid quarterly on daily account balance.

Sources (2)

All captured Oct 6, 2026

Traditional Money Fund IRA

1.75%APYIRA

Anyone with earned income can open and make contributions. Dividends paid quarterly and calculated using the daily balance method.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $500Tiered dividends paid quarterly on daily account balance.	0.30%	—	Tiered dividends paid quarterly on daily account balance.
$500 – $1,000Tiered dividends paid quarterly on daily account balance.	0.50%	—	Tiered dividends paid quarterly on daily account balance.
$1,000 – $10,000Tiered dividends paid quarterly on daily account balance.	1.50%	—	Tiered dividends paid quarterly on daily account balance.
$10,000 – $90,000Tiered dividends paid quarterly on daily account balance.	1.75%	$175	Tiered dividends paid quarterly on daily account balance.
$90,000 and upTiered dividends paid quarterly on daily account balance.	2.11%	—	Tiered dividends paid quarterly on daily account balance.

Sources (3)

All captured Oct 6, 2026

Minor Share Savings

0.50%APYKids and teens

For kids under 18 with a parent, custodian, or guardian. Automatically converts to regular Share Savings upon 18th birthday. Unlimited free withdrawals with no minimum balance requirement.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upDividends paid quarterly on minimum daily balances of $5.$5 and up	0.50%	$50	Dividends paid quarterly on minimum daily balances of $5.

Sources (3)

All captured Oct 6, 2026

Who can join Credit Human 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

Individuals who live, work, worship, or attend school in Credit Human's New Orleans service area are eligible for membership.
Individuals who live, work, worship, or attend school in Credit Human's San Antonio service area are eligible for membership.

Employers and groups

Employees or members of partner employers/organizations, or students at partner trade schools, colleges, or universities are eligible for membership.

Military, government and schools

Veterans, retirees, active duty members, and dependents of members of the U.S. Armed Forces or National Guard are eligible for membership.

Family and household

Individuals who have a family member who is a Credit Human member or who cohabitate with a Credit Human member are eligible for membership.

Other ways

Individuals may join by enrolling in the Louisiana Consumer Council (LACC) if living in Louisiana, or the American Consumer Council (ACC) if living elsewhere in the U.S., with Credit Human paying the joining fee.

1 more way to join

Other ways

Individuals who have a loan with Credit Human (including those opened through a dealership) are already members.

Cost to join

Membership requires opening a Share Savings account with a minimum deposit of $5.00.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

How Credit Human Federal Credit Union’s savings rates compare

Credit Human Federal Credit Union savings score

Current savings rates

Money Market Savings

Share Savings

Special-purpose accounts

Money Fund IRA

Roth Money Fund IRA

Traditional Money Fund IRA

Minor Share Savings

Who can join Credit Human Federal Credit Union

Where you live or work

Employers and groups

Military, government and schools

Family and household

Other ways

Other ways

Cost to join