Credit union · NCUA insured
Family Savings Credit Union Savings Rates
Top CarrotFamily Savings Credit Union’s best savings rate is 2.00% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Family Savings Credit Union’s savings rates compare
Compared with banks and credit unions near Atlanta, GA, where Family Savings Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Family Savings Credit Union
2.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $200
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
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
Family Savings Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0001.50%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0002.75%
- QualifiedQualified2.00%
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 Family Savings 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
2.00%APY
Must meet Field of Membership requirements. You must keep the $5.00 par value of a regular share in FSCU to maintain this account. There is no minimum balance that must be kept in the Money Market Share Account, but no dividends are earned on average daily balances of $499.99 or less. No monthly service fees. Money Market Excessive withdrawal fee assessed if more than 6 withdrawals clear in a month. Member accounts insured up to $1,000,000 ($250,000 NCUA, $750,000 ESI).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500No dividends are earned on average daily balances of $499.99 or less. | 0.00% | — | No dividends are earned on average daily balances of $499.99 or less. |
| $500 – $10,000 | 1.50% | — | |
| $10,000 – $25,000 | 2.00% | $200 | |
| $25,000 – $50,000 | 2.50% | — | |
| $50,000 and up | 2.75% | — |
NGAGE Saving Account
Up to 1.50%APY
Only available to members with a linked NGAGE Checking/Spending account. Limit 1 account per Social Security Number. Enrollment in eDocuments required; without eDocuments, FSCU reserves the right to convert the account to a Master Share Account. No monthly account maintenance charge.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Requires meeting monthly qualification requirements in linked NGAGE Checking/Spending account (12 debit card/credit card transactions, 1 ACH deposit/payment, and eDocuments enrollment). | 1.50% | $150 | Requires meeting monthly qualification requirements in linked NGAGE Checking/Spending account (12 debit card/credit card transactions, 1 ACH deposit/payment, and eDocuments enrollment). |
| Over $0Base rate applied when monthly qualifications in linked NGAGE Checking/Spending account are not met. No penalty incurred. | 0.05% | $5 | Base rate applied when monthly qualifications in linked NGAGE Checking/Spending account are not met. No penalty incurred. |
| Over $25,000Requires meeting monthly qualification requirements in linked NGAGE Checking/Spending account. Earns 0.50% interest rate on balance over $25,000, resulting in a blended APY range from 1.50% to 0.70% (based on balances up to $125,000; lower blended APY for balances over $125,000). | 0.70% | — | Requires meeting monthly qualification requirements in linked NGAGE Checking/Spending account. Earns 0.50% interest rate on balance over $25,000, resulting in a blended APY range from 1.50% to 0.70% (based on balances up to $125,000; lower blended APY for balances over $125,000). |
Sources (4)
- familysavingscu.com/accounts/checking
- familysavingscu.com/ngage-checking-account
- familysavingscu.com/accounts/savings
- familysavingscu.com/rates
All captured Oct 5, 2026
Master Share Account
0.20%APY
Must maintain the $5.00 par value of a regular share. No monthly service fee with enrollment in eDocuments; may be subject to a $3 per month account maintenance fee without eDocuments.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $10,000 | 0.20% | $20 |
| Over $10,000 | 0.30% | — |
Special-purpose accounts
Individual Retirement Accounts (IRA Share Accounts)
0.35%APY
Works similar to a share savings account; earns quarterly dividends. Additional insurance up to $250,000 by NCUA. Tax advantages may apply. Traditional and Roth IRA options available.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Dividends compounded quarterly. | 0.15% | — | Dividends compounded quarterly. |
| $2,000 – $10,000Dividends compounded quarterly. | 0.35% | $35 | Dividends compounded quarterly. |
| Over $10,000Dividends compounded quarterly. | 0.45% | — | Dividends compounded quarterly. |
Sources (3)
- familysavingscu.com/accounts/ira-options
- familysavingscu.com/accounts/savings
- familysavingscu.com/rates
All captured Oct 5, 2026
Christmas Club Savings
0.20%APY
Save little by little for Christmas. Payroll deductions available. $1 minimum to open and maintain account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMinimum opening deposit is $1 in-branch. Earns competitive dividends with balances over $2,000.$1 and up | 0.20% | $20 | Minimum opening deposit is $1 in-branch. Earns competitive dividends with balances over $2,000. |
Who can join Family Savings 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, worship, work (or regularly conduct business in), or attend school in Etowah, Marshall, DeKalb, Jackson, Cherokee, Calhoun, Cleburne, Madison, Blount, St. Clair, Morgan, Cullman, or Talladega Counties, Alabama are eligible for membership.
- Persons who live or work in Bartow, Catoosa, Chattooga, Dade, Floyd, Gordon, Haralson, Paulding, Polk, Carroll, Cherokee, Cobb, Douglas, Murray, Whitfield, or Walker Counties, Georgia are eligible for membership.
Family and household
- Individuals related by blood, adoption, legal guardianship, or marriage to anyone within Family Savings Credit Union's Field of Membership are eligible.
Membership information collected October 4, 2026.