Credit union · NCUA insured
Delta Schools Federal Credit Union Savings Rates
Delta Schools Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Regular Share Savings. Rates checked October 16, 2026.
How Delta Schools Federal Credit Union’s savings rates compare
Compared with banks and credit unions near San Francisco, CA, where Delta Schools Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Delta Schools Federal Credit Union
0.10%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $10
Regular Share Savings
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Delta Schools Federal Credit Union savings score
63
Savings score
Higher than 9% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 Delta Schools 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.
Regular Share Savings
0.10%APY · 1 term
Must maintain a minimum balance of $5. Dividends compound monthly and are posted quarterly based on average daily balance (ADB).
| Term | APY · Up to $100 | APY · $100 – $5,000 | APY · Over $5,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsAverage daily balance (ADB) of $100 or less earns 0.000% APY | 0.00% | — | — | —0.00% to $100 | — |
| 3 monthsAverage daily balance (ADB) of $100.01 – $5,000 | — | 0.05% | — | —0.05% $100–$5k | — |
| 3 monthsAverage daily balance (ADB) of $5,000.01 & over | — | — | 0.10% | 0.10% | $2 |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
Summer Fund Account Savings
1.89%APY · 1 term
Uses payroll deduction or direct transfers. Funds available from June through the last banking day of August; remaining funds transferred to share account. $20 emergency withdrawal fee for withdrawals made prior to this period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.89% | $47 |
Sources (2)
All captured Sep 16, 2026
IRA Savings
0.10%APY · 1 term
Dividends compound monthly and post quarterly based on average daily balance (ADB).
| Term | APY · Up to $5,000 | APY · $5,000 – $10,000 | APY · Over $10,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsAverage daily balance (ADB) of $0 – $5,000 | 0.05% | — | — | —0.05% to $5k | — |
| 3 monthsAverage daily balance (ADB) of $5,000.01 – $10,000 | — | 0.10% | — | 0.10% | $2 |
| 3 monthsAverage daily balance (ADB) over $10,000.01 | — | — | 0.20% | —0.20% from $10k | — |
Sources (1)
- deltaschoolsfcu.org/savings-rates · captured Sep 16, 2026
Christmas Club Account Savings
0.10%APY · 1 term
Funds can be transferred monthly from Checking/Savings or via Payroll Deduction. Each October, funds can be automatically transferred to checking/savings, mailed via check, or left in the account. $10 withdrawal fee for funds taken out prior to October.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsApplied on total balance | 0.10% | $2 |
Sources (3)
- deltaschoolsfcu.org/xmas-club-account
- deltaschoolsfcu.org/savings-account
- deltaschoolsfcu.org/savings-rates
All captured Sep 16, 2026
Youth Savings
0.10%APY · 1 term
Designed for young members; includes Delta Pups (ages 12 and under) and Delta Dogs (ages 13 to 18).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsApplied on total balance | 0.10% | $2 |
Sources (3)
- deltaschoolsfcu.org/youth-accounts
- deltaschoolsfcu.org/savings-account
- deltaschoolsfcu.org/savings-rates
All captured Sep 16, 2026
Who can join Delta Schools Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees, retirees, students, and student organizations of Antioch Unified School District are eligible for membership.
- Individuals affiliated with Oakley Union Elementary, Brentwood Union, Knightsen Elementary, and Byron Union School Districts are eligible for membership.
Family and household
- Immediate family members of employees/retirees and family members of students of Antioch Unified School District are eligible for membership.
Membership information collected October 5, 2026.