Credit union · NCUA insured
Espeeco Federal Credit Union Savings Rates
Espeeco Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Regular Shares. Rates checked October 16, 2026.
How Espeeco Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Bakersfield, CA, where Espeeco Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Espeeco Federal Credit Union
0.10%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $10
Regular Shares
Top rate
Edwards Federal Credit Union
3.50%APY
- Requires
- Monthly account activity
- Minimum
- $1
- Earns on $10,000 a year
- $350
2nd-highest rate
Valley Strong Credit Union
3.25%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $325
Espeeco Federal Credit Union savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 Espeeco 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.
Regular Shares
0.10%APY
Dividends are computed on the daily balance and posted quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $250 – $1,500 | 0.10% | — |
| $1,500 – $5,000 | 0.10% | — |
| $5,000 – $10,000 | 0.10% | — |
| $10,000 and up | 0.10% | $10 |
Sources (2)
All captured Sep 25, 2026
Special-purpose accounts
IRA
0.40%APY
Applies to Traditional IRA, Roth IRA, and Educational IRA. Dividends are computed on the daily balance and posted quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to Traditional IRA, Roth IRA, and Educational IRA.Any balance | 0.40% | $40 | Applies to Traditional IRA, Roth IRA, and Educational IRA. |
Sources (1)
- espeeco.org/rates/deposit-rates · captured Sep 25, 2026
Holiday Club Account
0.15%APY
Maximum deposit $2,500.00. Dividends are computed on the daily balance and posted quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Maximum deposit $2,500.00.Up to $2,500 | 0.15% | — | Maximum deposit $2,500.00. |
Sources (1)
- espeeco.org/rates/deposit-rates · captured Sep 25, 2026
Kid Share Account
0.10%APY
Up to age 15.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Up to age 15. | 0.10% | — | Up to age 15. |
| $2,500 – $5,000Up to age 15. | 0.10% | — | Up to age 15. |
| $5,000 and upUp to age 15. | 0.10% | $10 | Up to age 15. |
Sources (1)
- espeeco.org/rates/deposit-rates · captured Sep 25, 2026
Who can join Espeeco Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Affiliation with one of the credit union's Select Employer Groups (SEGs) qualifies for membership.
Family and household
- Immediate family members of an existing member are eligible for membership.
Cost to join
- An opening deposit of $25.00 is required for a share in the credit union.
Membership information collected October 5, 2026.