Credit union · NCUA insured
FedEx Employees Credit Association Savings Rates
FedEx Employees Credit Association’s best savings rate is 1.50% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How FedEx Employees Credit Association’s savings rates compare
Compared with banks and credit unions near Memphis, TN-MS-AR, where FedEx Employees Credit Association has the most branches. $10,000, best rate first.
This credit union’s best
FedEx Employees Credit Association
1.50%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $150
Money Market Checking
Top rate
Leaders Credit Union
3.50%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $350
2nd-highest rate
FirstBank
3.40%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $340
FedEx Employees Credit Association savings score
87
Savings score
Higher than 76% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0001.50%
- $100,000 balance$100,0001.75%
- QualifiedQualified1.50%
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 FedEx Employees Credit Association 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
1.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5,000 – $10,000 | 1.45% | — |
| $10,000 – $25,000 | 1.50% | $150 |
| $25,000 – $50,000 | 1.55% | — |
| $50,000 – $100,000 | 1.60% | — |
| $100,000 and up | 1.75% | — |
Sources (1)
- fecca.com/account-services/rates · captured Oct 15, 2026
Money Market Checking
1.50%APY
Minimum opening deposit of $5,000 is required and must be maintained to receive dividends. If account balance falls below $2,500, a $10 fee will be assessed monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $10,000Minimum opening deposit of $5,000 required and must be maintained to receive dividends. $10 monthly fee assessed if balance falls below $2,500. | 1.45% | — | Minimum opening deposit of $5,000 required and must be maintained to receive dividends. $10 monthly fee assessed if balance falls below $2,500. |
| $10,000 – $25,000Minimum opening deposit of $5,000 required and must be maintained to receive dividends. $10 monthly fee assessed if balance falls below $2,500. | 1.50% | $150 | Minimum opening deposit of $5,000 required and must be maintained to receive dividends. $10 monthly fee assessed if balance falls below $2,500. |
| $25,000 – $50,000Minimum opening deposit of $5,000 required and must be maintained to receive dividends. $10 monthly fee assessed if balance falls below $2,500. | 1.55% | — | Minimum opening deposit of $5,000 required and must be maintained to receive dividends. $10 monthly fee assessed if balance falls below $2,500. |
| $50,000 – $100,000Minimum opening deposit of $5,000 required and must be maintained to receive dividends. $10 monthly fee assessed if balance falls below $2,500. | 1.60% | — | Minimum opening deposit of $5,000 required and must be maintained to receive dividends. $10 monthly fee assessed if balance falls below $2,500. |
| $100,000 and upMinimum opening deposit of $5,000 required and must be maintained to receive dividends. $10 monthly fee assessed if balance falls below $2,500. | 1.75% | — | Minimum opening deposit of $5,000 required and must be maintained to receive dividends. $10 monthly fee assessed if balance falls below $2,500. |
Sources (2)
All captured Oct 15, 2026
Share Savings Account
0.05%APY
FECA membership required. Accounts insured up to $500,000 ($250,000 by NCUA and $250,000 by ESI).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 – $1,000 | 0.01% | — |
| $1,000 – $3,000 | 0.03% | — |
| $3,000 and up | 0.05% | $5 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Share
0.75%APY
Offered as Traditional and Roth IRA savings options.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upApplies to Traditional and Roth IRA Share accounts.$5 and up | 0.75% | $75 | Applies to Traditional and Roth IRA Share accounts. |
Coverdell ESA
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Sources (1)
- fecca.com/account-services/rates · captured Oct 15, 2026
Holiday Club
0.05%APY
Account earns dividends and matures on the 3rd Wednesday in October, when funds automatically transfer to primary Share Savings account. $5 charge per transaction for early withdrawals/transfers.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Oct 15, 2026
Vacation Club
0.05%APY
Member chooses maturity date, when funds transfer to primary Share Savings account. $5 charge per transaction for early withdrawals/transfers.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Oct 15, 2026
Who can join FedEx Employees Credit Association
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to FedEx employees.
- Membership is open to FedEx Office employees.
- Membership is open to FedEx retirees.
Family and household
- Membership is open to immediate family members (spouse, children, parents, siblings, grandparents, grandchildren) of FedEx employees.
- Membership is open to household members and roommates of FedEx employees.
Cost to join
- A $25.00 deposit is required to open a savings account.
Membership information collected October 5, 2026.