Credit union · NCUA insured
FedChoice Federal Credit Union Savings Rates
FedChoice Federal Credit Union’s best savings rate is 0.20% APY on $10,000, with its Main Share Savings. Rates checked October 22, 2026.
How FedChoice Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where FedChoice Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
FedChoice Federal Credit Union
1.15%APY
- Requires
- Another account
- Minimum
- $1,500
- Earns on $10,000 a year
- $115
Money Market
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
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
FedChoice Federal Credit Union savings score
86
Savings score
Higher than 72% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0001.05%
- $100,000 balance$100,0001.40%
- QualifiedQualified1.15%
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 FedChoice 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.
Money Market
Up to 1.15%APY
Membership required. Minimum daily balance of $1,500.00 to avoid $5.00 monthly fee (charged if daily balance at any time is below $1,500). Dividends compounded and credited monthly using average daily balance method. Insured up to $500,000 ($250k NCUA + $250k ESI).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,500 – $20,000FedPerks rate (.10% bonus). Requires FedChoice Checking Account and membership in the FedPerks program. Monthly fee of $5.00 if daily balance falls below $1,500. | 1.15% | $115 | FedPerks rate (.10% bonus). Requires FedChoice Checking Account and membership in the FedPerks program. Monthly fee of $5.00 if daily balance falls below $1,500. |
| $1,500 – $20,000Standard rate. Monthly fee of $5.00 if daily balance falls below $1,500. | 1.05% | $105 | Standard rate. Monthly fee of $5.00 if daily balance falls below $1,500. |
| $20,000 – $50,000FedPerks rate (.10% bonus). Requires FedChoice Checking Account and membership in the FedPerks program. | 1.20% | — | FedPerks rate (.10% bonus). Requires FedChoice Checking Account and membership in the FedPerks program. |
| $20,000 – $50,000Standard rate. | 1.10% | — | Standard rate. |
| $50,000 – $100,000FedPerks rate (.10% bonus). Requires FedChoice Checking Account and membership in the FedPerks program. | 1.50% | — | FedPerks rate (.10% bonus). Requires FedChoice Checking Account and membership in the FedPerks program. |
| $50,000 – $100,000Standard rate. | 1.40% | — | Standard rate. |
| Over $100,000FedPerks rate (.10% bonus). Requires FedChoice Checking Account and membership in the FedPerks program. | 1.75% | — | FedPerks rate (.10% bonus). Requires FedChoice Checking Account and membership in the FedPerks program. |
| Over $100,000Standard rate. | 1.65% | — | Standard rate. |
Sources (1)
- fedchoice.org/money-market-accounts · captured Oct 4, 2026
Main Share Savings
0.20%APY
Par value for FedChoice Membership is $5.00, which represents minimum one share purchase and provides account free of maintenance fee charges. Dividends compounded and credited quarterly. Balance method: Average Daily Balance. Membership eligibility applies.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum daily balance to earn declared rate is $50.00.$50 and up | 0.20% | $20 | Minimum daily balance to earn declared rate is $50.00. |
Sources (4)
- fedchoice.org/deposit-rates
- fedchoice.org/main-share-savings
- fedchoice.org/all-rates
- fedchoice.org/all-savings
All captured Oct 15, 2026
Special Savings Account
0.20%APY
Dividends compounded and credited quarterly. Balance method: Average Daily Balance. Membership eligibility applies.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum daily balance to earn declared rate is $50.00.$50 and up | 0.20% | $20 | Minimum daily balance to earn declared rate is $50.00. |
Sources (4)
- fedchoice.org/deposit-rates
- fedchoice.org/special-savings-accounts
- fedchoice.org/all-rates
- fedchoice.org/all-savings
All captured Oct 15, 2026
Special-purpose accounts
Coverdell ESA Share Account
0.35%APY
Dividends compounded and credited monthly. Paid from current income and available earnings, after required transfers to reserves. Balance method: Average Daily Balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,500Tier 1 rate for daily balances of $100.00 to $1,500.00. | 0.25% | — | Tier 1 rate for daily balances of $100.00 to $1,500.00. |
| $1,500 – $20,000Tier 2 rate for daily balances of $1,500.01 to $20,000.00. | 0.35% | $35 | Tier 2 rate for daily balances of $1,500.01 to $20,000.00. |
| Over $20,000Tier 3 rate for daily balances of $20,000.01 and above. | 0.45% | — | Tier 3 rate for daily balances of $20,000.01 and above. |
Sources (3)
All captured Oct 15, 2026
IRA "No Term" Share Account
0.35%APY
Shares schedule with Coverdell ESA Share Account. Choose from Traditional IRA, Roth IRA, and SEP IRA wrappers. Minimum deposit is $100. Dividends compounded and credited monthly. Balance method: Average Daily Balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,500Tier 1 rate for daily balances of $100.00 to $1,500.00. | 0.25% | — | Tier 1 rate for daily balances of $100.00 to $1,500.00. |
| $1,500 – $20,000Tier 2 rate for daily balances of $1,500.01 to $20,000.00. | 0.35% | $35 | Tier 2 rate for daily balances of $1,500.01 to $20,000.00. |
| Over $20,000Tier 3 rate for daily balances of $20,000.01 and above. | 0.45% | — | Tier 3 rate for daily balances of $20,000.01 and above. |
Sources (5)
- fedchoice.org/iras
- fedchoice.org/deposit-rates
- fedchoice.org/ira-no-term-share-account
- fedchoice.org/all-rates
- fedchoice.org/all-savings
All captured Oct 15, 2026
Holiday Club
0.20%APY
Holiday Club accounts mature October 31st of each year. Funds transfer automatically to the specified account on the first business day in November. Dividends compounded and credited quarterly. Balance method: Average Daily Balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum daily balance to earn declared rate is $50.00. No minimum balance requirement to maintain account.$50 and up | 0.20% | $20 | Minimum daily balance to earn declared rate is $50.00. No minimum balance requirement to maintain account. |
Sources (4)
- fedchoice.org/holiday-club
- fedchoice.org/deposit-rates
- fedchoice.org/all-rates
- fedchoice.org/all-savings
All captured Oct 15, 2026
Who can join FedChoice Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Federal employees or contractors who work for, are paid by, or are supervised by someone in the Washington, D.C. metro area and work for specified qualifying agencies or associations are eligible for membership.
- FedChoice Federal Credit Union employees, board members, or volunteers are eligible for membership.
Family and household
- Immediate family members (spouse, child [step/adopted], sibling [step/adopted], parent, grandparent, grandchild) of eligible federal employees or contractors are eligible for membership.
- Immediate family members of or individuals permanently residing with a FedChoice Federal Credit Union employee, board member, or volunteer are eligible for membership.
Other ways
- Members of the FedChoice Charitable Foundation are eligible for membership. FedChoice will make a contribution covering membership, or the applicant may make at least a $5 contribution to cover one-time membership dues.
Cost to join
- FedChoice Charitable Foundation membership dues are covered by a contribution made by FedChoice, or applicants may optionally contribute at least $5 via fedchoicegives.org.
Membership information collected October 4, 2026.