Credit union · NCUA insured
F3 Credit Union Savings Rates
Top CarrotF3 Credit Union’s best savings rate is 0.10% APY on $10,000, with its Daily Shares. Rates checked October 16, 2026.
How F3 Credit Union’s savings rates compare
Compared with banks and credit unions near San Francisco, CA, where F3 Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
F3 Credit Union
0.10%APY
- Requires
- None
- Earns on $10,000 a year
- $10
Regular Share Account
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $450
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $440
F3 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 F3 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.
Daily Shares
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 and up | 0.10% | $10 |
Sources (1)
- f3creditunion.com/rates/savings · captured Sep 16, 2026
Regular Share Account
0.10%APY
Membership application required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 and up | 0.10% | $10 |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
NexGen Savings Program for Young Adults ages 18-26
0.10%APY
Designed for young adults ages 18–26.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,000 | 3.04% | — |
| Over $2,000 | 0.10% | $10 |
Teen Pack Savings Account for ages 14-17
0.10%APY
Designed specifically for members ages 14–17.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 2.52% | — |
| $500 – $1,000 | 2.27% | — |
| $1,000 and up | 0.10% | $10 |
Sources (2)
All captured Sep 16, 2026
IRA Shares
2.27%APY
Available as Traditional IRA, Roth IRA, and Coverdell Education Savings passbook share accounts.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 2.27% | $227 |
Sources (2)
All captured Sep 16, 2026
Silver Express
2.02%APY
For members aged 62 and over.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10,000 and up | 2.02% | $202 |
Sources (2)
All captured Sep 16, 2026
Christmas Shares
0.10%APY
Holiday savings account with funds disbursed by check in November.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Sep 16, 2026
Scottie Savers Savings Account for ages 13 & younger
0.10%APY
For kids ages 13 and under. Parent, guardian, or qualifying adult must be joint on the minor's account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 and up | 0.10% | $10 |
Sources (2)
All captured Sep 16, 2026
Who can join F3 Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Santa Clara County are eligible to join.
Employers and groups
- Employees, contract employees, and legal counsel of the credit union are eligible to join.
Military, government and schools
- Civil Service employees in Santa Clara, San Mateo, Santa Cruz, Monterey, San Benito, and San Francisco counties are eligible to join.
- Employees, retirees, and contract employees of the U.S. Postal Service in 13 Northern California counties are eligible to join.
Cost to join
- A $1 savings deposit is required upon joining.
- There is a $1 membership fee to join.
Membership information collected October 5, 2026.