Credit union · NCUA insured
Emerald Coast FCU Savings Rates
Emerald Coast FCU’s best savings rate is 0.01% APY on $10,000, with its Regular Shares. Rates checked October 15, 2026.
How Emerald Coast FCU’s savings rates compare
Compared with banks and credit unions in Florida, where Emerald Coast FCU has the most branches. $10,000, best rate first.
This credit union’s best
Emerald Coast FCU
0.01%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $1
Regular Shares
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
Emerald Coast FCU savings score
60
Savings score
Higher than 0% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.01%
- $100,000 balance$100,0000.01%
- QualifiedQualified0.01%
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 Emerald Coast FCU 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.
Regular Shares
0.01%APY
Basic savings account required to become a member of the credit union. Requires a $5.00 minimum balance at all times to maintain membership. One-time fee of $5.00 when establishing a new account. To earn dividends, account must maintain an average daily balance greater than $100.00. Dividends are calculated monthly and paid on the last day of each month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $100Minimum balance to earn dividend is $100.01 (average daily balance greater than $100.00). Minimum balance per share is $5.00.Over $100 | 0.01% | $1 | Minimum balance to earn dividend is $100.01 (average daily balance greater than $100.00). Minimum balance per share is $5.00. |
Special-purpose accounts
Christmas Club/Special Accounts
0.01%APY
May be used for various savings purposes (Christmas, college fund, wedding, etc.). Earns the same dividend rate as regular share accounts. No minimum balance required to open and no withdrawal limitations.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required to open and earn dividend. No withdrawal limitations.Any balance | 0.01% | $1 | No minimum balance required to open and earn dividend. No withdrawal limitations. |
Who can join Emerald Coast FCU
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, worship, or attend school in, or businesses and other legal entities in Gulf County, Franklin County, or the City of Mexico Beach are eligible for membership.
Membership information collected October 5, 2026.