Credit union · NCUA insured
Express Credit Union Savings Rates
Express Credit Union’s best savings rate is 0.12% APY on $10,000, with its Secondary Savings (Digital Envelopes). Rates checked October 22, 2026.
How Express Credit Union’s savings rates compare
Compared with banks and credit unions near Seattle, WA, where Express Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Express Credit Union
0.12%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $12
Share Savings
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
Express Credit Union savings score
66
Savings score
Higher than 16% of U.S. banks and credit unions
- $1,000 balance$1,0000.12%
- $10,000 balance$10,0000.12%
- $100,000 balance$100,0000.12%
- QualifiedQualified0.12%
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 Express 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.
Individual Development Account (IDA) Shares
0.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends declared and paid quarterly.$5 and up | 0.15% | $15 | Dividends declared and paid quarterly. |
Sources (1)
- expresscu.org/rates · captured Oct 4, 2026
Secondary Savings (Digital Envelopes)
0.12%APY
Sub accounts opened via online banking acting as savings buckets / digital envelopes; unlimited transactions.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns the same dividend rate as regular Share/Savings account. Dividends declared and paid quarterly.Any balance | 0.12% | $12 | Earns the same dividend rate as regular Share/Savings account. Dividends declared and paid quarterly. |
Share Savings
0.12%APY
Must live or work in Washington State to become a member.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends declared and paid quarterly.$5 and up | 0.12% | $12 | Dividends declared and paid quarterly. |
Vehicle Ownership Program (VOP) Savings Account
0.12%APY · 1 term
Matched savings initiative for individuals in Puget Sound earning less than 80% AMI; must complete two counseling sessions and save for at least 3 to 8 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–8 monthsEarns 0.12% APY as a secondary savings account; requires saving $1,000 toward vehicle purchase down payment with matching funds | 0.12% | $3 |
Sources (1)
- expresscu.org/matched-savings/index.html · captured Oct 4, 2026
Special-purpose accounts
IRA Shares
0.25%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends declared and paid quarterly.$100 and up | 0.25% | $25 | Dividends declared and paid quarterly. |
Sources (1)
- expresscu.org/rates · captured Oct 4, 2026
Holiday Club Savings
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upDividends declared and paid quarterly.$10 and up | 0.20% | $20 | Dividends declared and paid quarterly. |
Express Kids Savings Club
0.15%APY
For children under 18. Opening deposit matched with $5.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends declared and paid quarterly.$5 and up | 0.15% | $15 | Dividends declared and paid quarterly. |
Who can join Express Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.