Credit union · NCUA insured
Destinations Credit Union Savings Rates
Destinations Credit Union’s best savings rate is 0.20% APY on $10,000, with its High Yield. Rates checked October 22, 2026.
How Destinations Credit Union’s savings rates compare
Compared with banks and credit unions near Baltimore, MD, where Destinations Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Destinations Credit Union
0.25%APY
- Requires
- Another account
- Minimum
- $15
- Earns on $10,000 a year
- $25
PREFERRED Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
CFG Bank
4.05%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $405
Destinations Credit Union savings score
69
Savings score
Higher than 25% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.25%
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 Destinations 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.
PREFERRED Savings
0.25%APY
Exclusively offered to PREFERRED Rewards Checking members. All PREFERRED Rewards Checking qualifications must be met. Variable dividends. No monthly maintenance fee. Free online banking, mobile banking, and eStatements. $15 deposit to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Available only with PREFERRED Rewards Checking. Balance up to $10,000. | 0.25% | $25 | Available only with PREFERRED Rewards Checking. Balance up to $10,000. |
| Over $10,000Available only with PREFERRED Rewards Checking. Balances over $10,000. Blended APY ranges from 0.10% to 0.15%. Stated dividend rate is 0.10%. | 0.10% | — | Available only with PREFERRED Rewards Checking. Balances over $10,000. Blended APY ranges from 0.10% to 0.15%. Stated dividend rate is 0.10%. |
High Yield
0.20%APY
Variable dividend rate. Calculated daily, compounded monthly and paid monthly. Minimum required daily balance is $2,500.00; failing to maintain $2,500.00 is subject to closing the High Yield Account and transferring remaining funds to a Savings Share.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Daily balance tier $2,500 - $9,999.99. Rate may change monthly based on determination of Credit Union Board of Directors. | 0.15% | — | Daily balance tier $2,500 - $9,999.99. Rate may change monthly based on determination of Credit Union Board of Directors. |
| $10,000 – $25,000Daily balance tier $10,000 - $24,999.99. Rate may change monthly based on determination of Credit Union Board of Directors. | 0.20% | $20 | Daily balance tier $10,000 - $24,999.99. Rate may change monthly based on determination of Credit Union Board of Directors. |
| $25,000 and upDaily balance tier $25,000.00 and higher. Rate may change monthly based on determination of Credit Union Board of Directors. | 0.20% | — | Daily balance tier $25,000.00 and higher. Rate may change monthly based on determination of Credit Union Board of Directors. |
Sources (2)
All captured Oct 22, 2026
High Yield Account
0.20%APY
Variable dividend rate Savings Share. Dividends calculated daily, compounded monthly and paid monthly. Minimum required daily balance is $2,500.00; failing to maintain $2,500.00 minimum daily balance may result in account closure and transfer of funds to a Savings Share. $2,500 minimum deposit to open. No monthly service fee. Rate subject to change every month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Variable dividend rate. Tier 1: $2,500 - $9,999.99. Minimum daily balance to avoid account closure is $2,500.00. No monthly service fee. | 0.15% | — | Variable dividend rate. Tier 1: $2,500 - $9,999.99. Minimum daily balance to avoid account closure is $2,500.00. No monthly service fee. |
| $10,000 – $25,000Variable dividend rate. Tier 2: $10,000 - $24,999.99. No monthly service fee. | 0.20% | $20 | Variable dividend rate. Tier 2: $10,000 - $24,999.99. No monthly service fee. |
| $25,000 and upVariable dividend rate. Tier 3: $25,000.00 and higher. No monthly service fee. | 0.20% | — | Variable dividend rate. Tier 3: $25,000.00 and higher. No monthly service fee. |
Sources (3)
- destinationscu.org/high-yield-account-disclosure
- destinationscu.org/rates-2
- destinationscu.org/savings
All captured Oct 15, 2026
Primary Savings
0.10%APY
With balance of $50 & Over.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upWith balance of $50 & Over.$50 and up | 0.10% | $10 | With balance of $50 & Over. |
Sources (1)
- destinationscu.org/rates-2 · captured Oct 15, 2026
Secondary Savings Account
0.10%APY
Establishes membership with Destinations Credit Union. Earn dividends on average daily balances of $50 or more. No monthly service fee. Free online banking, mobile banking, and eStatements. $15 minimum deposit to open and maintain membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upEarn dividends on average daily balances of $50 or more. No monthly service fee.$50 and up | 0.10% | $10 | Earn dividends on average daily balances of $50 or more. No monthly service fee. |
Special-purpose accounts
Individual Retirement Accounts (IRA Shares)
0.15%APY
Individual Retirement Accounts offered in Traditional and Roth IRA plan options. No setup fees, no monthly or annual maintenance fees. $25 minimum deposit to open shares ($500 minimum deposit to open a share certificate within IRA). Early withdrawals subject to penalty. Tax rules apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$25 minimum balance to earn rate / $25 minimum deposit to open shares. No setup or monthly/annual maintenance fees. Traditional and Roth IRA options.$25 and up | 0.15% | $15 | $25 minimum balance to earn rate / $25 minimum deposit to open shares. No setup or monthly/annual maintenance fees. Traditional and Roth IRA options. |
Holiday Club
0.10%APY
Funds transferred to Share Savings in mid-October. Early withdrawal subject to penalty. No monthly service fee. Free online banking, mobile banking, eStatements. No minimum deposit to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompetitive dividends paid on entire balance. Funds transferred to Share Savings in mid-October. Early withdrawal subject to penalty. No monthly service fee.Any balance | 0.10% | $10 | Competitive dividends paid on entire balance. Funds transferred to Share Savings in mid-October. Early withdrawal subject to penalty. No monthly service fee. |
Vacation Club
0.10%APY
Funds continue to accumulate until withdrawn for special purpose. Funds can be withdrawn at any time. No monthly service fee. Free online banking, mobile banking, eStatements. No minimum deposit to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompetitive dividends paid on entire balance. Funds can be withdrawn at any time. No monthly service fee.Any balance | 0.10% | $10 | Competitive dividends paid on entire balance. Funds can be withdrawn at any time. No monthly service fee. |
Who can join Destinations Credit Union
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