Credit union · NCUA insured
evolve Federal Credit Union Savings Rates
Top Carrotevolve Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How evolve Federal Credit Union’s savings rates compare
Compared with banks and credit unions near El Paso, TX, where evolve Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
evolve Federal Credit Union
0.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $50
Money Market
Top rate
Citizens Bank of Las Cruces
5.12%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $512
2nd-highest rate
Chevron Federal Credit Union
3.15%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $315
evolve Federal Credit Union savings score
77
Savings score
Higher than 44% of U.S. banks and credit unions
- $1,000 balance$1,0000.00%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.36%
- QualifiedQualified0.50%
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 evolve 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.
High-Yield Money Market
0.00%APY
Must have minimum balance of $250,000 to open account and earn dividends. New money required. $10 service fee assessed if balance drops below $250,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $250,000New money required. $10.00 service fee assessed if Actual Daily Balance drops below $250,000 at the end of the day on any day during the month. Earns 0.00% under $250,000. | 0.00% | $0 | New money required. $10.00 service fee assessed if Actual Daily Balance drops below $250,000 at the end of the day on any day during the month. Earns 0.00% under $250,000. |
| $250,000 and upNew money required. $10.00 service fee assessed if Actual Daily Balance drops below $250,000 at the end of the day on any day during the month. | 2.02% | — | New money required. $10.00 service fee assessed if Actual Daily Balance drops below $250,000 at the end of the day on any day during the month. |
Sources (2)
All captured Sep 17, 2026
Money Market
0.50%APY
Must have minimum balance of $2,500 to open account and earn dividends. $10 service fee assessed if balance drops below $2,500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $25,000$10.00 service fee assessed if Actual Daily Balance drops below $2,500 at the end of the day on any day during the month. | 0.50% | $50 | $10.00 service fee assessed if Actual Daily Balance drops below $2,500 at the end of the day on any day during the month. |
| $25,000 – $100,000$10.00 service fee assessed if Actual Daily Balance drops below $2,500 at the end of the day on any day during the month. | 0.75% | — | $10.00 service fee assessed if Actual Daily Balance drops below $2,500 at the end of the day on any day during the month. |
| $100,000 and up$10.00 service fee assessed if Actual Daily Balance drops below $2,500 at the end of the day on any day during the month. | 1.36% | — | $10.00 service fee assessed if Actual Daily Balance drops below $2,500 at the end of the day on any day during the month. |
Sources (2)
All captured Sep 17, 2026
Savings Account
0.00%APY
Must have an average daily balance of $100.00 to earn dividends. Automatically opened when approved for an auto, mortgage, and/or personal loan.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid quarterly; if closed before accrued dividends are credited, accrued dividends will not be paid.$100 and up | 0.00% | $0 | Dividends paid quarterly; if closed before accrued dividends are credited, accrued dividends will not be paid. |
Special-purpose accounts
Club Account
0.00%APY
Only 6 withdrawals allowed per month. Unlimited deposits.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.00% | $0 |
IRA Savings
0.00%APY
Individual account that cannot have a joint owner. Traditional and Roth wrappers available. No service charges and no annual fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQuarterly dividend. If closed before accrued dividends are credited, accrued dividends will not be paid.Any balance | 0.00% | $0 | Quarterly dividend. If closed before accrued dividends are credited, accrued dividends will not be paid. |
Who can join evolve Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Anyone who works in the Healthcare industry, regardless of job title or job function, is eligible to qualify for a Healthcare membership plan with established direct deposit.
Family and household
- Joint members who do not work in the Healthcare industry can be added to an account, provided the person who qualifies for the healthcare plan is the primary account holder.
Cost to join
- Establishing membership requires opening a savings account with a minimum deposit of $15.
Membership information collected October 5, 2026.