Credit union · NCUA insured
Cutting Edge FCU Savings Rates
Cutting Edge FCU’s best savings rate is 0.07% APY on $10,000, with its Share/Special Savings. Rates checked October 22, 2026.
How Cutting Edge FCU’s savings rates compare
Compared with banks and credit unions near Portland, OR-WA, where Cutting Edge FCU has the most branches. $10,000, best rate first.
This credit union’s best
Cutting Edge FCU
0.07%APY
- Requires
- None
- Minimum
- $10
- Earns on $10,000 a year
- $7
Share/Special Savings
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
Cutting Edge FCU savings score
63
Savings score
Higher than 8% of U.S. banks and credit unions
- $1,000 balance$1,0000.07%
- $10,000 balance$10,0000.07%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.07%
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 Cutting Edge 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
0.05%APY
If balance drops below $2,500, the share savings rate will be paid. Account balances that remain below $2,500 for three (3) consecutive months will be transferred to share savings. Maximum of three (3) withdrawals per month ($5.00 fee for excessive withdrawals). Minimum deposit or withdrawal per transaction is $100.00. Dividends calculated by daily balance method, compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upCompounded monthly, credited monthly. | 0.05% | $5 | Compounded monthly, credited monthly. |
| $25,000 and upCompounded monthly, credited monthly. | 0.10% | — | Compounded monthly, credited monthly. |
| $50,000 and upCompounded monthly, credited monthly. | 0.20% | — | Compounded monthly, credited monthly. |
Sources (3)
All captured Oct 3, 2026
Share/Special Savings
0.07%APY
Requires minimum balance of $10.00 to be a member-owner of the credit union. Earns dividends on balances of $100 or more, compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividends is $100. Dividends calculated via daily balance, compounded quarterly and credited quarterly.$100 and up | 0.07% | $7 | Minimum balance to earn dividends is $100. Dividends calculated via daily balance, compounded quarterly and credited quarterly. |
Special-purpose accounts
Holiday Club
1.75%APY
No minimum balance required; maximum balance is $5,000. Early withdrawal penalty may apply prior to maturity; account closure prior to maturity will result in forfeiture of accrued dividends. Earns dividends on balances of $25 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000No minimum balance required to open; minimum balance to earn dividends is $25; maximum balance is $5,000. Early withdrawal penalty may apply prior to maturity; account closure prior to maturity results in forfeiture of accrued dividends.Up to $5,000 | 1.75% | — | No minimum balance required to open; minimum balance to earn dividends is $25; maximum balance is $5,000. Early withdrawal penalty may apply prior to maturity; account closure prior to maturity results in forfeiture of accrued dividends. |
IRA
0.15%APY
IRA savings account. Tiered dividend rates based on daily balance. Compounded and credited quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tier 1: Balance of $0.01 to $999.99. Dividends determined by daily balance, compounded and credited quarterly. | 0.05% | — | Tier 1: Balance of $0.01 to $999.99. Dividends determined by daily balance, compounded and credited quarterly. |
| $1,000 – $50,000Tier 2: Balance of $1,000 to $49,999.99. Dividends determined by daily balance, compounded and credited quarterly. | 0.15% | $15 | Tier 2: Balance of $1,000 to $49,999.99. Dividends determined by daily balance, compounded and credited quarterly. |
| $50,000 and upTier 3: Balance of $50,000 and above. Dividends determined by daily balance, compounded and credited quarterly. | 0.30% | — | Tier 3: Balance of $50,000 and above. Dividends determined by daily balance, compounded and credited quarterly. |
Sources (1)
- cuttingedgefcu.org/rates · captured Oct 3, 2026
Adventure Account
0.07%APY
For members 13 to 17 years of age. Accounts for members under 18 must have a guardian over 18 as a joint member. First $10 deposit is provided by credit union. Earns dividends on balances of $10 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upFor ages 13-17. Minimum balance to earn dividends is $10. Dividends calculated via daily balance, compounded quarterly and credited quarterly. First $10 deposit on the credit union.$10 and up | 0.07% | $7 | For ages 13-17. Minimum balance to earn dividends is $10. Dividends calculated via daily balance, compounded quarterly and credited quarterly. First $10 deposit on the credit union. |
Discovery Account
0.07%APY
For newborns to 12 years of age. Accounts for members under 18 must have a guardian over 18 as a joint member. First $10 deposit is provided by credit union. Earns dividends on balances of $10 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upFor ages 0-12. Minimum balance to earn dividends is $10. Dividends calculated via daily balance, compounded quarterly and credited quarterly. First $10 deposit on the credit union.$10 and up | 0.07% | $7 | For ages 0-12. Minimum balance to earn dividends is $10. Dividends calculated via daily balance, compounded quarterly and credited quarterly. First $10 deposit on the credit union. |
Explorer Account
0.07%APY
For members 18 to 24 years of age. First $10 deposit is provided by credit union. Earns dividends on balances of $10 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upFor ages 18-24. Minimum balance to earn dividends is $10. Dividends calculated via daily balance, compounded quarterly and credited quarterly. First $10 deposit on the credit union.$10 and up | 0.07% | $7 | For ages 18-24. Minimum balance to earn dividends is $10. Dividends calculated via daily balance, compounded quarterly and credited quarterly. First $10 deposit on the credit union. |
Who can join Cutting Edge FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligibility includes employees of CCI/Speer.
- Eligibility includes employees of participating Workplace Partners through the workplace partnership program.
Family and household
- Eligibility includes family members of employees of CCI/Speer.
Membership information collected October 4, 2026.