Credit union · NCUA insured
F&A Credit Union Savings Rates
Top CarrotF&A Credit Union’s best savings rate is 2.28% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How F&A Credit Union’s savings rates compare
Compared with banks and credit unions near Los Angeles, CA, where F&A Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
F&A Credit Union
2.28%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $228
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
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
F&A Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0002.28%
- $100,000 balance$100,0002.53%
- QualifiedQualified2.28%
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 F&A 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
2.28%APY
Must be a member. Available to members of any age. Minimum balance requirement of $2,500.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $100,000 | 2.28% | $228 |
| $100,000 – $250,000 | 2.53% | — |
| $250,000 and up | 2.79% | — |
Sources (1)
- fafcu.org/spend-and-save/savings/money-market · captured Sep 16, 2026
Ownership/Savings
0.25%APY
Establishes membership at F&A with $5 minimum balance required at all times. Available to employees of the Los Angeles County Fire Department and municipal workers in the city and county, plus immediate family members.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum to earn dividends is $5.00.$5 and up | 0.25% | $25 | Minimum to earn dividends is $5.00. |
Sources (4)
- fafcu.org
- fafcu.org/rates
- fafcu.org/spend-and-save/savings
- fafcu.org/spend-and-save/savings/ownership-savings
All captured Sep 16, 2026
Special-purpose accounts
Youth Savings
0.25%APY
Available to youth up to age 22½, or up to age 26½ if paperless eStatements are selected. Only one Youth Account allowed per member. Automatically switches to an F&A Savings Account upon reaching age limit. No minimum balance required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Preferred dividend rate on balances up to $1,000. | 6.18% | — | Preferred dividend rate on balances up to $1,000. |
| Over $1,000Earns the standard Ownership/Savings dividend rate on balances over $1,000. | 0.25% | $25 | Earns the standard Ownership/Savings dividend rate on balances over $1,000. |
Sources (4)
- fafcu.org
- fafcu.org/rates
- fafcu.org/spend-and-save/savings
- fafcu.org/spend-and-save/savings/youth-savings
All captured Sep 16, 2026
Holiday Savings
0.50%APY
Funds grow steadily until November 1, when accumulated savings and dividends are automatically transferred to an F&A Checking or Savings Account. Up to 3 Holiday Savings Accounts allowed per member. Withdrawals limited to two per calendar year in emergency situations.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.50% | $50 |
| $10,000 – $100,000 | 0.25% | — |
Who can join F&A Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of Avalon City Professional Firefighters \u2013 Local 2295 are eligible for membership.
- General members of the Los Angeles County Fire Museum are eligible for membership.
- Members of Los Angeles County Firefighters \u2013 Local 1014 are eligible for membership.
- Members of West Covina Police Officers' Association are eligible for membership.
Military, government and schools
- Employees of Arcadia Fire Department are eligible for membership.
- Employees of listed city governments in Los Angeles and Orange Counties are eligible for membership.
7 more ways to join
Military, government and schools
- Uniformed members of the Hawthorne Police Officers Association are eligible for membership.
- Employees of County of Los Angeles Agricultural Commissioner / Weights and Measures are eligible for membership.
- Active and retired employees of the Los Angeles County Fire Department are eligible for membership.
- Los Angeles County Fire Department Lifeguards are eligible for membership.
- Employees of Newport Beach Fire Department are eligible for membership.
- Employees of UC Cooperative Extension Los Angeles County are eligible for membership.
Family and household
- Immediate family members of current F&A members (parents, grandparents, spouses, children, grandchildren, siblings, step-relations, and adoptive relations) are eligible for membership.
Cost to join
- Membership is established with a $5.00 deposit into an Ownership/Savings Account upon approval.
Membership information collected October 5, 2026.