Credit union · NCUA insured
East River Federal Credit Union Savings Rates
East River Federal Credit Union’s best savings rate is 0.05% APY, with its Kasasa Saver, with extra requirements. Rates checked October 22, 2026.
How East River Federal Credit Union’s savings rates compare
Compared with banks and credit unions in South Dakota, where East River Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
East River Federal Credit Union
0.05%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $5
Kasasa Saver
Top rate
ONE AMERICAN BANK
3.00%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $300
2nd-highest rate
Highmark Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.30%APY
No Minimum Daily Balance required to earn the stated APY. Minimum Daily Balance of $500 to avoid monthly service fee. Minimum Opening Deposit: $500. Dividends compounded and credited monthly. Rates not valid for brokered deposits, institutional investors or public funds.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.20% | — |
| $2,500 – $5,000 | 0.25% | — |
| $5,000 – $25,000 | 0.30% | $30 |
| $25,000 – $50,000 | 0.30% | — |
| $50,000 – $90,000 | 0.30% | — |
| $90,000 and up | 0.30% | — |
Sources (1)
- eastriverfcu.com/Rates/Savings-Rates · captured Oct 4, 2026
Kasasa Saver
0.25%APY on $10,000
Requires linked Kasasa Cash or Kasasa Cash Back checking account and meeting monthly qualification cycle requirements (at least 12 debit card purchases, at least 1 direct deposit/ACH, and enrolled in e-Statements) to earn qualifying rates. If qualifications are not met, non-qualifying rate applies. No monthly maintenance fee. No minimum balance required to earn rewards. Minimum opening deposit $0.
| Part of the balance | Rate on that part |
|---|---|
| Up to $10,000 | 0.25% |
| Over $10,000 | 0.05% |
On $10,000 the tiers blend to about 0.25% APY, earning $25 a year.
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Health Savings Account
0.30%APY
No Minimum Daily Balance required to earn the stated APY. Minimum Opening Deposit: $0. Dividends are compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo Minimum Daily Balance required to earn the stated APY. Minimum Opening Deposit: $0.Any balance | 0.30% | $30 | No Minimum Daily Balance required to earn the stated APY. Minimum Opening Deposit: $0. |
Sources (1)
- eastriverfcu.com/Rates/Savings-Rates · captured Oct 22, 2026
Membership, Trust & Youth Accounts
0.10%APY
$15 Minimum Daily Balance required to earn the stated APY. Minimum Opening Deposit: $15. Membership, Trust & Youth Accounts. Interest is paid monthly on the Average Daily Balance. Represents ownership in East River FCU.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15Balance range $0 - $14.99 earns 0.00% APY. Minimum Opening Deposit $15. | 0.00% | — | Balance range $0 - $14.99 earns 0.00% APY. Minimum Opening Deposit $15. |
| $15 and up$15 Minimum Daily Balance required to earn the stated APY. Minimum Opening Deposit $15. | 0.10% | $10 | $15 Minimum Daily Balance required to earn the stated APY. Minimum Opening Deposit $15. |
Sources (2)
All captured Oct 22, 2026
Special & Holiday Club Savings Accounts
0.10%APY
Saving for special purposes or holiday expenses. Interest is paid monthly on the Average Daily Balance. No minimum daily balance required to earn the stated APY. Minimum opening deposit $0. For Holiday Club, funds transfer automatically on the first Monday in November, with a $25 fee assessed for early withdrawals prior to November 1st.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum daily balance required to earn the stated APY. Minimum opening deposit $0.Any balance | 0.10% | $10 | No minimum daily balance required to earn the stated APY. Minimum opening deposit $0. |
Sources (2)
All captured Oct 22, 2026
Who can join East River Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.