Credit union · NCUA insured
Elko Federal Credit Union Savings Rates
Elko Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Elko Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Elko, NV, where Elko Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Elko Federal Credit Union
1.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $100
Money Market Account
Top rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Elko Federal Credit Union savings score
85
Savings score
Higher than 71% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.76%
- QualifiedQualified1.00%
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 Elko 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.
Money Market Account
1.00%APY
Membership requires purchasing and maintaining 5 shares ($5.00 par value per share) and paying a nonrefundable membership fee. No term commitment. Excessive withdrawal fee of $10.00 per withdrawal in excess of six per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tier One. All deposited funds earn the rate for the tier. Variable rate. | 0.75% | — | Tier One. All deposited funds earn the rate for the tier. Variable rate. |
| $2,500 – $20,000Tier Two. All deposited funds earn the rate for the tier. Variable rate. | 1.00% | $100 | Tier Two. All deposited funds earn the rate for the tier. Variable rate. |
| $20,000 – $50,000Tier Three. All deposited funds earn the rate for the tier. Variable rate. Dividend rate is 1.25%. | 1.26% | — | Tier Three. All deposited funds earn the rate for the tier. Variable rate. Dividend rate is 1.25%. |
| $50,000 – $100,000Tier Four. All deposited funds earn the rate for the tier. Variable rate. Dividend rate is 1.50%. | 1.51% | — | Tier Four. All deposited funds earn the rate for the tier. Variable rate. Dividend rate is 1.50%. |
| $100,000 – $250,000Tier Five. All deposited funds earn the rate for the tier. Variable rate. Dividend rate is 1.75%. | 1.76% | — | Tier Five. All deposited funds earn the rate for the tier. Variable rate. Dividend rate is 1.75%. |
| $250,000 and upTier Six. All deposited funds earn the rate for the tier. Variable rate. Dividend rate is 2.00%. | 2.02% | — | Tier Six. All deposited funds earn the rate for the tier. Variable rate. Dividend rate is 2.00%. |
Share Savings Account
0.35%APY
Start membership at EFCU. One-time membership fee of $5. Account may be used as collateral for a loan. $5.00 fee per withdrawal in excess of three per month; $25.00 fee if account closed within first 90 days.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100.00 is required to earn dividends on entire balance. Dividend period is monthly.$100 and up | 0.35% | $35 | Minimum balance of $100.00 is required to earn dividends on entire balance. Dividend period is monthly. |
Sources (3)
All captured Oct 15, 2026
Special-purpose accounts
IRA Share Savings Account
2.02%APY
Traditional, Roth, and Education IRAs qualify. Rates differ across current rate pages (current_p22 and current_sched1). EFCU membership required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMonthly dividend period. Minimum balance of $100.00 is required to earn dividends per footnote on current_p22 lines 147-148.Any balance | 2.02% | $202 | Monthly dividend period. Minimum balance of $100.00 is required to earn dividends per footnote on current_p22 lines 147-148. |
One more rate on its site comes from an older rate sheet (2025) and isn’t shown as current.
Sources (1)
- efcu.org/rates · captured Oct 15, 2026
55 Plus Share Savings
0.35%APY
Tailored for individuals aged 55 and older. One-time membership fee of $5. Pay no monthly service fees. Can use savings account as collateral for a loan.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMaintain a minimum balance of $100 and earn dividends on entire balance. Variable rate.$100 and up | 0.35% | $35 | Maintain a minimum balance of $100 and earn dividends on entire balance. Variable rate. |
Sources (2)
All captured Oct 15, 2026
Christmas Club Account
0.35%APY
Save through the year until the first day in November (unless it falls on a weekend), when the balance is transferred to the regular Share Savings Account. Early withdrawal penalty is all dividends earned.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100.00 required to earn dividends. Dividend period is monthly.$100 and up | 0.35% | $35 | Minimum balance of $100.00 required to earn dividends. Dividend period is monthly. |
Sources (3)
All captured Oct 15, 2026
Moola Moola Kids Club Account
0.35%APY
Designed for kids ages 0 through 12. One-time $2 membership fee. Earn prizes for every deposit made. $10.00 fee if account closed within first 90 days.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance of $25.00 required to earn dividends. Dividend period is monthly.$25 and up | 0.35% | $35 | Minimum balance of $25.00 required to earn dividends. Dividend period is monthly. |
Sources (3)
All captured Oct 15, 2026
Student Share Savings Account
0.35%APY
Available for students between ages 13 and 18, or full-time college students. One-time membership fee of $2. No monthly service fees. $25.00 fee if account closed within first 90 days.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance of $25.00 required to earn dividends per rate sheet ($100 per savings page). Dividend period is monthly.$25 and up | 0.35% | $35 | Minimum balance of $25.00 required to earn dividends per rate sheet ($100 per savings page). Dividend period is monthly. |
Sources (3)
All captured Oct 15, 2026
Vacation Club Account
0.35%APY
Save through the year until the first day in June (unless it falls on a weekend), when the balance is transferred to the regular Share Savings Account. Early withdrawal penalty is all dividends earned.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100.00 required to earn dividends. Dividend period is monthly.$100 and up | 0.35% | $35 | Minimum balance of $100.00 required to earn dividends. Dividend period is monthly. |
Sources (3)
All captured Oct 15, 2026
Who can join Elko Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, regularly conduct business, worship, or attend school in specified counties in Nevada or Idaho are eligible for membership.
Employers and groups
- Employees of Elko Federal Credit Union are eligible for membership.
Family and household
- Members of immediate families and households of eligible persons are eligible for membership.
- Spouses of persons who died while maintaining membership at Elko Federal Credit Union are eligible for membership.
Other ways
- Businesses and other legal entities located or headquartered in the specified Nevada and Idaho counties are eligible for membership.
- Organizations composed of eligible persons are eligible for membership.
1 more way to join
Other ways
- Volunteers in the community are eligible for membership.
Cost to join
- A one-time membership fee of $5.00 is required upon joining.
- A minimum deposit of $25.00 into a Share Savings Account is required to join.
Membership information collected October 4, 2026.