Credit union · NCUA insured
Duke Credit Union Savings Rates
Top CarrotDuke Credit Union’s best savings rate is 2.02% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Duke Credit Union’s savings rates compare
Compared with banks and credit unions near Greenville, SC, where Duke Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Duke Credit Union
2.02%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $202
Money Market
Top rate
Market USA Federal Credit Union
3.75%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
MTC Federal Credit Union
3.50%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $350
Duke Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0001.01%
- $10,000 balance$10,0002.02%
- $100,000 balance$100,0002.02%
- QualifiedQualified2.02%
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 Duke 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
Up to 2.02%APY
Opened with $500. Keep a minimum of $500 in the account to earn higher interest rate. Can be used as overdraft protection. Make regular deposits via payroll deduction. No fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $10,000 | 1.01% | $101 | |
| $10,000 and upOver $10,000 | 2.02% | $202 | Over $10,000 |
Sources (3)
All captured Oct 4, 2026
Second Share
0.25%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upVariable rate.$1 and up | 0.25% | $25 | Variable rate. |
Sources (1)
- dukefcu.org/rates · captured Oct 4, 2026
Share Savings
0.25%APY
Requires $5.00 one-time membership fee at account opening. To avoid $3 monthly fee, have a loan, direct deposit, maintain $100 average monthly balance, or be under age 25. Dividends calculated daily/average daily balance and posted quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$3.00 monthly fee waived by having a loan, direct deposit, maintaining $100 average monthly balance, or being under age 25. Variable rate.$25 and up | 0.25% | $25 | $3.00 monthly fee waived by having a loan, direct deposit, maintaining $100 average monthly balance, or being under age 25. Variable rate. |
Sources (3)
All captured Oct 4, 2026
Special-purpose accounts
Holiday Club
0.25%APY
Funds are transferred into share savings account during the first week in October. Early withdrawals subject to loss of dividends up to 90 days and a $5 fee for each early withdrawal prior to October of each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and up$5 fee and loss of dividends up to 90 days assessed for each early withdrawal prior to October of each year. Variable rate.$1 and up | 0.25% | $25 | $5 fee and loss of dividends up to 90 days assessed for each early withdrawal prior to October of each year. Variable rate. |
Sources (3)
All captured Oct 4, 2026
Closed to new customers
Rainy Day Savings
0.29%APY
Discontinued effective July 1, 2024; applies to pre-existing accounts only. Unauthorized withdrawals subject to loss of dividends up to 90 days. Deposits through payroll deduction. $10.00 withdrawal fee ($25 withdrawal fee referenced on older product page).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upDiscontinued product; rate applies to pre-existing Rainy Day Shares only. Unauthorized withdrawals subject to loss of dividends up to 90 days. Variable rate.$1 and up | 0.29% | $29 | Discontinued product; rate applies to pre-existing Rainy Day Shares only. Unauthorized withdrawals subject to loss of dividends up to 90 days. Variable rate. |
Sources (3)
All captured Oct 4, 2026
Who can join Duke Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Duke affiliated organizations (e.g., Duke Soccer, Duke Swimming) are eligible to join.
Military, government and schools
- Employees of Duke University and Duke University Health System who are paid by Duke University and paid in North Carolina are eligible to join.
- Retirees of Duke University and Duke University Health System are eligible to join.
- Students and alumni of Duke University are eligible to join.
Family and household
- Immediate family members (including spouses, children, siblings, in-laws, parents, aunts/uncles, grandparents/grandchildren/great-grandparents, step/adoptive relations, and surviving spouses) sponsored by an eligible member are eligible to join.
Cost to join
- Membership requires a minimum share deposit of $30.
Membership information collected October 4, 2026.