Credit union · NCUA insured
Dillard's FCU Savings Rates
Dillard's FCU’s best savings rate is 0.30% APY on $10,000, with its Money Market Checking. Rates checked October 22, 2026.
How Dillard's FCU’s savings rates compare
Compared with banks and credit unions near Little Rock, AR, where Dillard's FCU has the most branches. $10,000, best rate first.
This credit union’s best
Dillard's FCU
0.30%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $30
Money Market Checking
Top rate
First Service Bank
4.64%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $464
2nd-highest rate
Gateway Bank
4.08%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $408
Dillard's FCU savings score
73
Savings score
Higher than 33% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.30%
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 Dillard's 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 Checking
0.30%APY
Earn dividends when you maintain an average daily balance of at least $2,500. $20.00 monthly fee if minimum daily balance is not met.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Monthly fee of $20.00 if minimum daily balance is not met. | 0.25% | — | Monthly fee of $20.00 if minimum daily balance is not met. |
| $10,000 – $25,000Monthly fee of $20.00 if minimum daily balance is not met. | 0.30% | $30 | Monthly fee of $20.00 if minimum daily balance is not met. |
| $25,000 and upMonthly fee of $20.00 if minimum daily balance is not met. | 0.40% | — | Monthly fee of $20.00 if minimum daily balance is not met. |
Prime Share Account
0.15%APY
Membership starts with $10 investment ($5 one-time membership fee and $5 minimum deposit).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.05% | — |
| $2,500 – $10,000 | 0.10% | — |
| $10,000 and up | 0.15% | $15 |
Special-purpose accounts
Health Savings Account
0.25%APY
Must be covered under a qualified High Deductible Health Plan (HDHP) and meet HSA eligibility criteria.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $3,000Applies to balances less than $3,000.00 | 0.15% | — | Applies to balances less than $3,000.00 |
| $3,000 – $9,999 | 0.20% | — | |
| $10,000 and up | 0.25% | $25 |
IRA Savings Accounts
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (1)
- mydfcu.com/rates-fees · captured Sep 19, 2026
Club Accounts
0.20%APY
Individualized savings account for specific purposes (vacations, taxes, Christmas, college). One free withdrawal per calendar year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Who can join Dillard's FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to those who live, work, worship, or attend school in North Little Rock, Sherwood, and certain areas of Jacksonville and Little Rock, Arkansas.
Employers and groups
- Membership is open to Dillard's employees.
Family and household
- Membership is open to immediate family members of Dillard's employees.
Cost to join
- An initial deposit of $5 is required to open a share savings account.
- A one-time membership fee of $5 is required.
Membership information collected October 4, 2026.