Credit union · NCUA insured
Encentus Federal Credit Union Savings Rates
Encentus Federal Credit Union’s best savings rate is 0.15% APY on $10,000, with its Share Savings. Rates checked October 15, 2026.
How Encentus Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Tulsa, OK, where Encentus Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Encentus Federal Credit Union
0.15%APY
- Minimum
- $5
- Earns on $10,000 a year
- $15
Share Savings
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
Encentus Federal Credit Union savings score
67
Savings score
Higher than 18% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.15%
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 Encentus 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 Savings
0.15%APY
Must deposit or maintain minimum required share ($5.00 par value) to be a member; $1.00 membership fee. Maximum 3 withdrawals or transfers per month (Truth-in-Savings) or up to 6 electronic transfers per month (EFT). Dividends compounded and credited quarterly using daily balance method.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50Earns 0.00% APY on balances under $50.00. | 0.00% | — | Earns 0.00% APY on balances under $50.00. |
| Up to $1,000Minimum average balance / daily balance of $50.00 required to earn stated APY. | 0.10% | — | Minimum average balance / daily balance of $50.00 required to earn stated APY. |
| $1,001 – $10,000 | 0.15% | $15 | |
| $10,001 – $50,000 | 0.20% | — | |
| $50,001 and up | 0.25% | — |
Sources (3)
- encentusfcu.org/Accounts/Savings-Accounts
- encentusfcu.org/Rates/Savings-Rates
- encentusfcu.org/Documents/Disc…res/Truth-in-Savings.pdf
All captured Oct 15, 2026
Special-purpose accounts
IRA Savings
0.40%APY
Tax-advantaged savings tool designed to provide retirement income. $25 minimum opening deposit. Dividends compounded and credited quarterly using daily balance method. No limitations on the number or dollar amount of deposits or withdrawals except preauthorized/automatic transfers, telephone orders, checks, drafts, or debit cards are not permitted.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50Earns 0.00% APY on balances under $50.00. | 0.00% | — | Earns 0.00% APY on balances under $50.00. |
| Up to $10,000Minimum balance to earn stated APY is $50.00. | 0.35% | — | Minimum balance to earn stated APY is $50.00. |
| $10,000 – $25,000 | 0.40% | $40 | |
| $25,000 and up | 0.45% | — |
Sources (3)
- encentusfcu.org/Accounts/Savings-Accounts
- encentusfcu.org/Rates/Savings-Rates
- encentusfcu.org/Documents/Disc…res/Truth-in-Savings.pdf
All captured Oct 15, 2026
Christmas Club
0.30%APY
Club accounts earn dividends quarterly on balances up to $3,000. For Christmas Club accounts, the entire balance will be transferred to another account of yours on or after October 15 and the account will remain open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50Earns 0.00% APY on balances under $50.00. | 0.00% | — | Earns 0.00% APY on balances under $50.00. |
| Up to $1,000Minimum balance to earn stated APY is $50.00. | 0.25% | — | Minimum balance to earn stated APY is $50.00. |
| $1,001 and upClub accounts earn dividends on balances up to $3,000. | 0.30% | $30 | Club accounts earn dividends on balances up to $3,000. |
Sources (3)
- encentusfcu.org/Accounts/Savings-Accounts
- encentusfcu.org/Rates/Savings-Rates
- encentusfcu.org/Documents/Disc…res/Truth-in-Savings.pdf
All captured Oct 15, 2026
Vacation Club
0.30%APY
Club accounts earn dividends quarterly on balances up to $3,000. For Vacation Club accounts, the entire balance will be transferred to another account of yours on or after May 15 and the account will remain open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50Earns 0.00% APY on balances under $50.00. | 0.00% | — | Earns 0.00% APY on balances under $50.00. |
| Up to $1,000Minimum balance to earn stated APY is $50.00. | 0.25% | — | Minimum balance to earn stated APY is $50.00. |
| $1,001 and upClub accounts earn dividends on balances up to $3,000. | 0.30% | $30 | Club accounts earn dividends on balances up to $3,000. |
Sources (3)
- encentusfcu.org/Accounts/Savings-Accounts
- encentusfcu.org/Rates/Savings-Rates
- encentusfcu.org/Documents/Disc…res/Truth-in-Savings.pdf
All captured Sep 18, 2026
Who can join Encentus Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.