Credit union · Privately insured
El Monte Community Credit Union Savings Rates
El Monte Community Credit Union’s best savings rate is 0.40% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How El Monte Community Credit Union’s savings rates compare
Compared with banks and credit unions near Dallas, TX, where El Monte Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
El Monte Community Credit Union
0.40%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $40
Money Market
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
Nizari Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
El Monte Community Credit Union savings score
76
Savings score
Higher than 41% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.70%
- QualifiedQualified0.40%
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 El Monte Community 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
0.40%APY
In order to receive the dividends listed, you must carry the minimum that is required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $1,000In order to receive the dividends listed, you must carry the minimum that is required. | 0.20% | — | In order to receive the dividends listed, you must carry the minimum that is required. |
| $1,000 – $10,000In order to receive the dividends listed, you must carry the minimum that is required. | 0.40% | $40 | In order to receive the dividends listed, you must carry the minimum that is required. |
| $10,000 – $25,000In order to receive the dividends listed, you must carry the minimum that is required. | 0.50% | — | In order to receive the dividends listed, you must carry the minimum that is required. |
| $25,000 – $50,000In order to receive the dividends listed, you must carry the minimum that is required. | 0.60% | — | In order to receive the dividends listed, you must carry the minimum that is required. |
| Over $50,000In order to receive the dividends listed, you must carry the minimum that is required. | 0.70% | — | In order to receive the dividends listed, you must carry the minimum that is required. |
Sources (1)
- elmonteccu.org/rates/deposit-rates · captured Sep 16, 2026
Regular Shares
0.10%APY
In order to receive the dividends listed, you must carry the minimum that is required. Requires $5 one-time, refundable pledge amount and $5 minimum initial deposit for membership.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $2,500In order to receive the dividends listed, you must carry the minimum that is required. | 0.10% | — | In order to receive the dividends listed, you must carry the minimum that is required. |
| $2,500 – $5,000In order to receive the dividends listed, you must carry the minimum that is required. | 0.10% | — | In order to receive the dividends listed, you must carry the minimum that is required. |
| $5,000 – $10,000In order to receive the dividends listed, you must carry the minimum that is required. | 0.10% | — | In order to receive the dividends listed, you must carry the minimum that is required. |
| $10,000 and upIn order to receive the dividends listed, you must carry the minimum that is required. | 0.10% | $10 | In order to receive the dividends listed, you must carry the minimum that is required. |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
IRA Shares
0.30%APY
In order to receive the dividends listed, you must carry the minimum that is required. Available as Traditional IRA and Roth IRA wrappers.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $3,000 and upIn order to receive the dividends listed, you must carry the minimum that is required.$3,000 and up | 0.30% | $30 | In order to receive the dividends listed, you must carry the minimum that is required. |
Cub Club Shares
0.10%APY
Available for kids up to age 12. No membership fee to open the account. In order to receive the dividends listed, you must carry the minimum that is required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100In order to receive the dividends listed, you must carry the minimum that is required. | 0.10% | — | In order to receive the dividends listed, you must carry the minimum that is required. |
| $100 – $500In order to receive the dividends listed, you must carry the minimum that is required. | 0.10% | — | In order to receive the dividends listed, you must carry the minimum that is required. |
| $500 – $1,000In order to receive the dividends listed, you must carry the minimum that is required. | 0.10% | — | In order to receive the dividends listed, you must carry the minimum that is required. |
| $1,000 – $4,000In order to receive the dividends listed, you must carry the minimum that is required. | 0.10% | — | In order to receive the dividends listed, you must carry the minimum that is required. |
| Over $5,000In order to receive the dividends listed, you must carry the minimum that is required. | 0.10% | $10 | In order to receive the dividends listed, you must carry the minimum that is required. |
Sources (2)
All captured Sep 16, 2026
Who can join El Monte Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in El Monte, South El Monte, Baldwin Park, Rosemead, or Irwindale are eligible for membership.
- Individuals who attend school in El Monte, South El Monte, Baldwin Park, Rosemead, or Irwindale are eligible for membership.
Employers and groups
- Employees of the San Gabriel Valley Water Company who work in El Monte, Fontana, or Whittier are eligible for membership.
Family and household
- Immediate family members of eligible individuals are eligible for membership.
Other ways
- Other credit unions organized under Federal or State laws are eligible for membership.
- Organizations composed of eligible individuals are eligible for membership.
Cost to join
- Members must maintain a regular share savings account with a minimum balance of $5.00.
- A $5.00 lifetime membership fee is required to join.
- A one-time refundable pledge amount of $5.00 is required upon application review.
Membership information collected October 5, 2026.