Credit union · NCUA insured
Educational Federal Credit Union Savings Rates
Educational Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Income Tax Savings Account. Rates checked October 15, 2026.
How Educational Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Miami, FL, where Educational Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Educational Federal Credit Union
0.25%APY
- Requires
- None
- Earns on $10,000 a year
- $25
Shared Earnings Dividend Savings
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Earns on $10,000 a year
- $512
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $440
Educational Federal Credit Union savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- 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 Educational 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.
Income Tax Savings Account
0.25%APY
Account earns dividends once balance reaches $100. Dividends are compounded daily and credited quarterly. No monthly service fees or withdrawal limits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded daily and credited quarterly.$100 and up | 0.25% | $25 | Dividends compounded daily and credited quarterly. |
Member's Choice Savings
0.25%APY
Account earns dividends once balance reaches $100. Dividends are compounded daily and credited quarterly. No monthly service fees or withdrawal limits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded daily and credited quarterly.$100 and up | 0.25% | $25 | Dividends compounded daily and credited quarterly. |
Payday Savings
0.25%APY
Account earns dividends once balance reaches $100. Dividends are compounded daily and credited quarterly. No monthly service fees or withdrawal limits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded daily and credited quarterly.$100 and up | 0.25% | $25 | Dividends compounded daily and credited quarterly. |
Prime Savings
0.25%APY
Membership account. Account earns dividends once balance reaches $100. Dividends are compounded daily and credited quarterly. No monthly service fees or withdrawal limits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upEarns dividends on balances above $100. Dividends compounded daily and credited quarterly.$100 and up | 0.25% | $25 | Earns dividends on balances above $100. Dividends compounded daily and credited quarterly. |
Property Tax Savings Account
0.25%APY
Account earns dividends once balance reaches $100. Dividends are compounded daily and credited quarterly. No monthly service fees or withdrawal limits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded daily and credited quarterly.$100 and up | 0.25% | $25 | Dividends compounded daily and credited quarterly. |
Shared Earnings Dividend Savings
0.25%APY
Account earns dividends once balance reaches $100. Dividends are compounded daily and credited quarterly. No monthly service fees or withdrawal limits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded daily and credited quarterly.$100 and up | 0.25% | $25 | Dividends compounded daily and credited quarterly. |
Summer Savings Account
0.25%APY
Designed for members on a ten-month pay plan. Account earns dividends once balance reaches $100. Dividends are compounded daily and credited quarterly. No monthly service fees or withdrawal limits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded daily and credited quarterly.$100 and up | 0.25% | $25 | Dividends compounded daily and credited quarterly. |
Special-purpose accounts
Coverdell Education Savings Account
0.55%APY
Up to $2,000 can be contributed to a single beneficiary's account per year. Withdrawals for qualified educational expenses are tax-free. Dividends compounded daily and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are compounded daily and credited monthly. Up to $2,000 contribution per year per beneficiary.Any balance | 0.55% | $55 | Dividends are compounded daily and credited monthly. Up to $2,000 contribution per year per beneficiary. |
Health Savings Account
0.55%APY
Designed for covering medical expenses incurred under a high-deductible health insurance plan. Dividends compounded daily and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are compounded daily and credited monthly. Must be enrolled in a high-deductible health insurance plan.Any balance | 0.55% | $55 | Dividends are compounded daily and credited monthly. Must be enrolled in a high-deductible health insurance plan. |
IRA Savings
0.55%APY
IRA Savings available as Traditional and Roth IRAs. Dividends are compounded daily and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTraditional and Roth IRAs. Dividends are compounded daily and credited monthly.Any balance | 0.55% | $55 | Traditional and Roth IRAs. Dividends are compounded daily and credited monthly. |
Sources (1)
- edfed.org/rates/personal · captured Sep 18, 2026
College Tuition Savings Account
0.25%APY
Account earns dividends once balance reaches $100. Dividends are compounded daily and credited quarterly. No monthly service fees or withdrawal limits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded daily and credited quarterly.$100 and up | 0.25% | $25 | Dividends compounded daily and credited quarterly. |
Holiday Savings Account
0.25%APY
Account earns dividends once balance reaches $100. Dividends are compounded daily and credited quarterly. No monthly service fees or withdrawal limits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded daily and credited quarterly.$100 and up | 0.25% | $25 | Dividends compounded daily and credited quarterly. |
Student Savings Account
0.25%APY
Account earns dividends once balance reaches $100. Dividends are compounded daily and credited quarterly. No monthly service fees or withdrawal limits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upEarns dividends on balances above $100. Dividends compounded daily and credited quarterly.$100 and up | 0.25% | $25 | Earns dividends on balances above $100. Dividends compounded daily and credited quarterly. |
Vacation Savings Account
0.25%APY
Account earns dividends once balance reaches $100. Dividends are compounded daily and credited quarterly. No monthly service fees or withdrawal limits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded daily and credited quarterly.$100 and up | 0.25% | $25 | Dividends compounded daily and credited quarterly. |
Who can join Educational Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of designated affiliated associations and organizations.
Military, government and schools
- Employees or retirees (pensioners/annuitants) of designated educational institutions and organizations in Florida.
- Students of designated educational institutions in Florida.
Family and household
- Immediate family members of individuals within the credit union's field of membership.
- Household members living in the same residence and maintaining a single economic unit with an eligible individual.
Other ways
- Revocable and Irrevocable Trusts where all grantors or all beneficiaries qualify for membership.
Membership information collected October 5, 2026.