Credit union · NCUA insured
Desco Federal Credit Union Savings Rates
Top CarrotDesco Federal Credit Union’s best savings rate is 0.20% APY on $10,000, with its Savings Accounts. Rates checked October 16, 2026.
How Desco Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Huntington, WV-KY-OH, where Desco Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Desco Federal Credit Union
2.28%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $228
Money Market Account
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
CommunityAmerica Credit Union
3.20%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
Desco Federal Credit Union savings score
80
Savings score
Higher than 53% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.20%
- QualifiedQualified2.28%
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 Desco 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 Account
2.28%APY
Active checking account required to earn rates below. If the conditions of a Money Market Account are not met, interest will be earned at the disclosed rate for a Regular Savings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $10,000 | 1.51% | — |
| $10,000 – $500,000 | 2.28% | $228 |
| $500,000 – $1,000,000 | 2.58% | — |
| $1,000,000 and up | 2.89% | — |
Sources (1)
- descofcu.org/personal/current-rates · captured Oct 6, 2026
Savings Accounts
0.20%APY
No service fee for members 22 years old or younger or with Average Daily Balance of $50 or more; $5 monthly service fee if Average Daily Balance is less than $50.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upAverage Daily Balance of $50.00 and over.$50 and up | 0.20% | $20 | Average Daily Balance of $50.00 and over. |
Special-purpose accounts
Health Savings Accounts
2.28%APY
Must have a high deductible insurance plan, cannot be covered under another health plan, cannot be claimed as a dependent on anyone's taxes, and cannot be enrolled in Medicare.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to all average daily balance amounts.Any balance | 2.28% | $228 | Applies to all average daily balance amounts. |
Sources (2)
All captured Oct 6, 2026
IRA Savings Accounts
2.28%APY
Offers Traditional, Roth, and Coverdell IRAs.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to all average daily balance amounts.Any balance | 2.28% | $228 | Applies to all average daily balance amounts. |
Sources (2)
All captured Oct 6, 2026
Who can join Desco 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 (or regularly conduct business in), worship, or attend school in and businesses and other legal entities located in Adams, Gallia, Jackson, Lawrence, Pike, Ross and Scioto Counties, Ohio; Cabell, Mason, Putnam or Wayne Counties, West Virginia; Boyd, Carter, Greenup, Fleming, Lewis, Mason, and Rowan Counties, Kentucky are eligible for membership.
Employers and groups
- Employees of this credit union are eligible for membership.
Family and household
- Spouses of deceased members are eligible for membership.
- Members of immediate family or household of eligible persons are eligible for membership.
Other ways
- Organizations of eligible persons are eligible for membership.
- Volunteers in the community are eligible for membership.
Membership information collected October 5, 2026.