Credit union · NCUA insured
Employees Federal Credit Union Savings Rates
Employees Federal Credit Union’s best savings rate is 0.20% APY on $10,000, with its Primary Share Account. Rates checked October 15, 2026.
How Employees Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Tulsa, OK, where Employees Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Employees Federal Credit Union
0.20%APY
- Minimum
- $25
- Earns on $10,000 a year
- $20
Primary Share Account
Top rate
MidFirst Bank
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
2nd-highest rate
Communication Federal Credit Union
3.75%APY
- Minimum
- —
- Earns on $10,000 a year
- $375
Employees Federal Credit Union savings score
69
Savings score
Higher than 23% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.20%
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 Employees 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.
Primary Share Account
0.20%APY
Must keep a minimum of $25 in membership account at all times. Dividends are compounded and credited quarterly. Up to 6 withdrawals per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $100A minimum average daily balance of $100.01 is required to obtain the disclosed APY. Dividends are compounded and credited quarterly.Over $100 | 0.20% | $20 | A minimum average daily balance of $100.01 is required to obtain the disclosed APY. Dividends are compounded and credited quarterly. |
Special-purpose accounts
IRA Investment Account
Up to 1.76%APY
Available in Traditional and Roth IRA in savings. Dividends calculated on average daily balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 and up | 0.75% | $75 |
| $10,000 and up | 1.76% | $176 |
| $25,000 and up | 2.27% | — |
| $50,000 and up | 2.78% | — |
| $100,000 and up | 3.29% | — |
Holiday Club Account
0.50%APY
Dividends will be credited annually on the average daily balance upon disbursement at the end of the club year. Early withdrawals penalized any accrued/earned interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends credited annually on average daily balance upon disbursement at end of club year. Early withdrawals penalized accrued/earned interest.$100 and up | 0.50% | $50 | Dividends credited annually on average daily balance upon disbursement at end of club year. Early withdrawals penalized accrued/earned interest. |
Sources (1)
- employeesfed.com/savings-rates · captured Sep 18, 2026
Vacation Club Account
0.50%APY
Dividends will be credited annually on the average daily balance upon disbursement at the end of the club year. Early withdrawals penalized any accrued/earned interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends credited annually on average daily balance upon disbursement at end of club year. Early withdrawals penalized accrued/earned interest.$100 and up | 0.50% | $50 | Dividends credited annually on average daily balance upon disbursement at end of club year. Early withdrawals penalized accrued/earned interest. |
Sources (1)
- employeesfed.com/savings-rates · captured Sep 18, 2026
Youth Savings Account
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $100A minimum average daily balance of $100.01 is required to obtain the disclosed APY. Dividends are compounded and credited quarterly.Over $100 | 0.20% | $20 | A minimum average daily balance of $100.01 is required to obtain the disclosed APY. Dividends are compounded and credited quarterly. |
Sources (1)
- employeesfed.com/savings-rates · captured Sep 18, 2026
Who can join Employees 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 within Downtown Tulsa (inside the perimeter of the IDL) are eligible for membership.
- Persons within East Tulsa are eligible for membership.
- Anyone who works or attends school in the Eastgate Metroplex is eligible for membership.
- Anyone who works, lives, worships, or attends school in West Tulsa area #1 is eligible for membership.
- Persons within West Tulsa area #2 are eligible for membership.
Employers and groups
- Employees and retirees of Tulsa Country Club, Goodwill, and A New Leaf are eligible for membership.
7 more ways to join
Employers and groups
- Employees and retirees of several other local businesses are eligible for membership.
- Employees and members of Southwest Tulsa Chamber of Commerce are eligible for membership.
Military, government and schools
- Employees and retirees of Tulsa County, Creek County, and Osage County Sheriff’s Office are eligible for membership.
- Employees and retirees of The City of Tulsa, Bixby, Catoosa, Claremore, Glenpool, Jenks, Mannford, and Sapulpa are eligible for membership.
- Employees and retirees of Tulsa Urban Renewal Authority, Tulsa City-County Library, and Tulsa City-County Civil Defense are eligible for membership.
- The City of Tulsa elected and appointed officials and employees/retirees of Tulsa Housing Authority are eligible for membership.
Family and household
- Family members (defined as spouse, children, stepchildren, grandchildren, parents, brothers, sisters, aunts, uncles, nieces, nephews, daughters-in-law, and sons-in-law) of eligible employees, retirees, and current members are eligible for membership.
Cost to join
- Membership requires a $25.00 deposit into a regular share account.
Membership information collected October 4, 2026.