Credit union · NCUA insured
Federal Employees CU Savings Rates
Federal Employees CU’s best savings rate is 0.50% APY on $10,000, with its Share (Savings) Account. Rates checked October 22, 2026.
How Federal Employees CU’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This credit union’s best
Federal Employees CU
0.50%APY
- Requires
- None
- Earns on $10,000 a year
- $50
Share (Savings) Account
Top rate
NET Credit Union
6.00%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $600
2nd-highest rate
Westerra Credit Union
6.00%APY
- Requires
- Another account
- Earns on $10,000 a year
- $600
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share (Savings) Account
0.50%APY
Requires a minimum balance of $25.00 at all times. Dividends paid quarterly on balances over $100. Simple interest calculated on the average daily balance, compounds quarterly. Rates declared quarterly by the Board of Directors.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceSimple interest calculated on the average daily balance. Compounded quarterly. Dividends paid quarterly on balances over $100. Minimum balance of $25.00 required at all times.Any balance | 0.50% | $50 | Simple interest calculated on the average daily balance. Compounded quarterly. Dividends paid quarterly on balances over $100. Minimum balance of $25.00 required at all times. |
Special-purpose accounts
IRA Club
0.50%APY
Early withdrawal penalty of 90 days interest. IRA Club Accounts pay dividends quarterly. Minimum balance of $500.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upEarly withdrawal penalty of 90 days interest. Dividends paid quarterly.$500 and up | 0.50% | $50 | Early withdrawal penalty of 90 days interest. Dividends paid quarterly. |
Sources (1)
- federalempscu.com/account-rates · captured Sep 19, 2026
Christmas Club
0.25%APY
Dividends paid each quarter and funds disbursed in November by transfer to checking or savings account. Simple interest calculated on the average daily balance, compounds quarterly. Rates declared quarterly by the Board of Directors.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid each quarter and funds disbursed in November by transfer to checking or savings account. Simple interest calculated on the average daily balance, compounds quarterly.Any balance | 0.25% | $25 | Dividends paid each quarter and funds disbursed in November by transfer to checking or savings account. Simple interest calculated on the average daily balance, compounds quarterly. |
Who can join Federal Employees CU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Current or retired federal/government employees, military personnel, and veterans are eligible for membership.
Family and household
- Spouses and family members of federal/government employees, as well as immediate family members of existing members, are eligible to join.
Cost to join
- Opening both share and share draft accounts requires a minimum deposit of $56.
- Opening a share (savings) account requires a minimum deposit of $26.
Membership information collected October 4, 2026.