Credit union · NCUA insured
FAMU Federal Credit Union Savings Rates
FAMU Federal Credit Union’s best savings rate is 0.20% APY on $10,000, with its Platinum Money Market Account. Rates checked October 15, 2026.
How FAMU Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Tallahassee, FL, where FAMU Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
FAMU Federal Credit Union
0.20%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $20
Platinum Money Market Account
Top rate
SmartBank
4.00%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
First Commerce Credit Union
3.00%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $300
FAMU Federal Credit Union savings score
68
Savings score
Higher than 22% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.20%
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 FAMU 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.
Platinum Money Market Account
0.20%APY
Requires a daily balance of $5,000 per month. A $35.00 monthly maintenance fee is assessed if the daily balance falls below $5,000. Includes overdraft protection, Rattler Debit Card, free cashier's checks, free wire-transfers, and free checks.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 and up$35 monthly service charge if balance falls below daily minimum opening balance of $5,000.$5,000 and up | 0.20% | $20 | $35 monthly service charge if balance falls below daily minimum opening balance of $5,000. |
Sources (2)
All captured Sep 18, 2026
DiamondBack Money Market Account
0.15%APY
Requires a daily balance of $3,000 per month. A $35.00 monthly maintenance fee is assessed if the daily balance falls below $3,000. Includes overdraft protection, Rattler Debit Card, free cashier's checks, free wire-transfers, and free checks.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $3,000 and up$35 monthly service charge if balance falls below daily minimum opening balance of $3,000.$3,000 and up | 0.15% | $15 | $35 monthly service charge if balance falls below daily minimum opening balance of $3,000. |
Sources (2)
All captured Sep 18, 2026
Rattler Plus Money Market Account
0.10%APY
Requires a daily balance of $1,500 per month. A $35.00 monthly maintenance fee is assessed if the daily balance falls below $1,500. Includes overdraft protection, free first order of checks, free teller checks, and reduced fees on wire transfers.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,500 and up$35 monthly service charge if balance falls below daily minimum opening balance of $1,500.$1,500 and up | 0.10% | $10 | $35 monthly service charge if balance falls below daily minimum opening balance of $1,500. |
Sources (2)
All captured Sep 18, 2026
Share/Savings
0.10%APY
Required for membership Offers you the ability to save and earn interest from day of deposit to the day of withdrawal Interest is compounded and paid quarterly The minimum balance of $5.00 required rates
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upThe minimum balance of $5.00 required rates$5 and up | 0.10% | $10 | The minimum balance of $5.00 required rates |
Sources (1)
- famufcu.com/pages/savings-accounts.php · captured Sep 24, 2026
Share Escrow
0.00%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.00% | $0 |
Sources (2)
All captured Sep 24, 2026
Special Shares
0.00%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.00% | $0 |
Sources (2)
All captured Sep 24, 2026
Special-purpose accounts
Vacation/Christmas Club
0.15%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (2)
All captured Sep 24, 2026
Share IRA
0.10%APY
Provides savings with interest earned tax-free until retirement. Minimum deposit to open varies depending on your taxable situation.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Sep 24, 2026
Who can join FAMU Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of the Bethel Missionary Baptist Church in Tallahassee, Florida are eligible for membership.
- Members of the Jacob Chapel Baptist Church in Tallahassee, Florida are eligible for membership.
- Jerusalem Missionary Baptist Church of Tallahassee, Florida is eligible for membership.
- Employees of Metz Culinary Management Food Services at Florida A&M University are eligible for membership.
- Voting members of the Tallahassee Branch of the National Association for the Advancement of Colored People (NAACP) located in Tallahassee, Florida are eligible for membership.
- Members of the Tabernacle Missionary Baptist Church in Tallahassee, Florida are eligible for membership.
5 more ways to join
Military, government and schools
- Members of the Florida A&M University National Alumni Association, Inc. are eligible for membership.
- Employees of the Florida A&M University are eligible for membership.
- Employees of the Florida A&M University Federal Credit Union are eligible for membership.
- Students of the Florida A&M University are eligible for membership.
Family and household
- Relatives (spouse, children, parents, stepparents, sisters, brothers, adoptive relationship, grandparents, and grandchildren) of eligible groups are eligible for membership upon proof of relationship.
Membership information collected October 5, 2026.