EM Federal Credit Union Savings & Money Market Rates

How EM Federal Credit Union’s savings rates compare

Compared with banks and credit unions near Phoenix, AZ, where EM Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
EM Federal Credit Union
1.00%APY
Requires
None
Minimum
$5
Earns on $10,000 a year
$100
Share Account
Top rate
Nuvision Credit Union
4.50%APY
Requires
Monthly account activity
Minimum
—
Earns on $10,000 a year
$450
Nuvision Credit Union rates
2nd-highest rate
Alhambra Credit Union
4.04%APY
Requires
None
Minimum
$25
Earns on $10,000 a year
$404
Alhambra Credit Union rates

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Savings score

Higher than 74% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.50%
$10,000 balance$10,0001.00%
$100,000 balance$100,0002.02%
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.

How the score works →

Where EM 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.

Share Account

1.00%APY$5 to open

Minimum deposit to open is $5.00. Minimum share to join is $5.00. To earn the disclosed APY, maintain a minimum daily balance of $5.00; no dividends earned for days balance drops below $5.00. Accrued dividends will not be paid if account is closed before dividends are credited. Compounded quarterly and credited quarterly. Rate applies to entire balance once tier is met. Variable rate account.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Once account balance qualifies for tier, dividend rate and APY apply to entire balance. Minimum daily balance to earn APY is $5.00.	0.50%	—	Once account balance qualifies for tier, dividend rate and APY apply to entire balance. Minimum daily balance to earn APY is $5.00.
$10,000 – $50,000Once account balance qualifies for tier, dividend rate and APY apply to entire balance. Minimum daily balance to earn APY is $5.00.	1.00%	$100	Once account balance qualifies for tier, dividend rate and APY apply to entire balance. Minimum daily balance to earn APY is $5.00.
$50,000 – $100,000Once account balance qualifies for tier, dividend rate and APY apply to entire balance. Minimum daily balance to earn APY is $5.00.	1.51%	—	Once account balance qualifies for tier, dividend rate and APY apply to entire balance. Minimum daily balance to earn APY is $5.00.
$100,000 and upOnce account balance qualifies for tier, dividend rate and APY apply to entire balance. Minimum daily balance to earn APY is $5.00.	2.02%	—	Once account balance qualifies for tier, dividend rate and APY apply to entire balance. Minimum daily balance to earn APY is $5.00.