Credit union · NCUA insured
EP Federal Credit Union Savings Rates
EP Federal Credit Union’s best savings rate is 0.20% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How EP Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where EP Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
EP Federal Credit Union
0.20%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $20
Money Market Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
EP Federal Credit Union savings score
70
Savings score
Higher than 25% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.35%
- 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 EP 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
0.20%APY
Share Account dividends are compounded and paid monthly. Dividend Rate and APYs are variable and are subject to change. If you close your share account prior to the payment of dividends, you will not receive the accrued dividend. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $14,999 | 0.20% | $20 |
| $15,000 – $34,999 | 0.25% | — |
| $35,000 – $49,999 | 0.30% | — |
| $50,000 and up | 0.35% | — |
Sources (3)
All captured Oct 3, 2026
Regular Savings
0.15%APY
Initial $10 deposit establishes membership and gives access to other credit union benefits. Provides checking overdraft protection.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $4,999Dividends are compounded and paid monthly. Dividend Rate and APYs are variable and subject to change. If closed prior to dividend payment, accrued dividend is forfeited. | 0.10% | — | Dividends are compounded and paid monthly. Dividend Rate and APYs are variable and subject to change. If closed prior to dividend payment, accrued dividend is forfeited. |
| $5,000 and upDividends are compounded and paid monthly. Dividend Rate and APYs are variable and subject to change. If closed prior to dividend payment, accrued dividend is forfeited. | 0.15% | $15 | Dividends are compounded and paid monthly. Dividend Rate and APYs are variable and subject to change. If closed prior to dividend payment, accrued dividend is forfeited. |
Sources (2)
All captured Oct 3, 2026
Secondary Savings
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends are compounded and paid monthly. Dividend Rate and APYs are variable and subject to change. If closed prior to dividend payment, accrued dividend is forfeited.$100 and up | 0.10% | $10 | Dividends are compounded and paid monthly. Dividend Rate and APYs are variable and subject to change. If closed prior to dividend payment, accrued dividend is forfeited. |
Sources (2)
All captured Oct 3, 2026
Special-purpose accounts
Educational Savings
1.26%APY
Classified as an IRA/Coverdell ESA for qualified education expenses. Participation is subject to income restrictions. Earnings are tax-free and withdrawals made before age 30 are tax-free if used for qualified education expenses.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upDividends are compounded and paid monthly. Dividend Rate and APYs are variable and subject to change. If closed prior to dividend payment, accrued dividend is forfeited.$500 and up | 1.26% | $126 | Dividends are compounded and paid monthly. Dividend Rate and APYs are variable and subject to change. If closed prior to dividend payment, accrued dividend is forfeited. |
Sources (1)
- epfcu.org/accounts/coverdell-education-savings · captured Oct 3, 2026
IRA Roth Savings
0.50%APY
Roth IRA savings vehicle for retirement planning.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upDividends are compounded and paid monthly. Dividend Rate and APYs are variable and subject to change. If closed prior to dividend payment, accrued dividend is forfeited.$500 and up | 0.50% | $50 | Dividends are compounded and paid monthly. Dividend Rate and APYs are variable and subject to change. If closed prior to dividend payment, accrued dividend is forfeited. |
IRA Savings
0.25%APY
Traditional and Roth IRAs are typically used as savings vehicles for retirement planning.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends are compounded and paid monthly. Dividend Rate and APYs are variable and subject to change. If closed prior to dividend payment, accrued dividend is forfeited.$5 and up | 0.25% | $25 | Dividends are compounded and paid monthly. Dividend Rate and APYs are variable and subject to change. If closed prior to dividend payment, accrued dividend is forfeited. |
uChoose Club Accounts
0.25%APY
Automatically transfers saved funds to checking account once a year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends are compounded and paid monthly. Dividend Rate and APYs are variable and subject to change. If closed prior to dividend payment, accrued dividend is forfeited.$5 and up | 0.25% | $25 | Dividends are compounded and paid monthly. Dividend Rate and APYs are variable and subject to change. If closed prior to dividend payment, accrued dividend is forfeited. |
Sources (2)
All captured Oct 3, 2026
Who can join EP Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.