Credit union · NCUA insured
FedTrust Federal Credit Union Savings Rates
FedTrust Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its Insured Share Management Account - ISMA. Rates checked October 15, 2026.
How FedTrust Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Memphis, TN-MS-AR, where FedTrust Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
FedTrust Federal Credit Union
1.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $100
Insured Share Management Account - ISMA
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
FedTrust Federal Credit Union savings score
84
Savings score
Higher than 66% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.25%
- QualifiedQualified1.00%
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 FedTrust 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.
Insured Share Management Account - ISMA
1.00%APY
Tier between a regular share account and a share certificate allowing a limited number of withdrawals per month and unlimited deposits. Requires minimum deposit or withdrawal of $500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $3,000 and upHigh Yield tier. Non-term. Monthly paid dividends. Minimum deposit or withdrawal of $500. | 1.00% | $100 | High Yield tier. Non-term. Monthly paid dividends. Minimum deposit or withdrawal of $500. |
| $100,000 and upJumbo tier. Non-term. Monthly paid dividends. Minimum deposit or withdrawal of $500. | 1.25% | — | Jumbo tier. Non-term. Monthly paid dividends. Minimum deposit or withdrawal of $500. |
Share Account
0.15%APY
Membership required; establishes credit union membership. $5 minimum opening deposit. No monthly service fees. Can be used as collateral for a share secured loan.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $184 and upQuarterly paid dividends; requires a minimum balance of $184 to earn dividends.$184 and up | 0.15% | $15 | Quarterly paid dividends; requires a minimum balance of $184 to earn dividends. |
Special-purpose accounts
Christmas Club
0.15%APY
No minimum deposit required to open. Funds are transferred in mid-October to the share savings or share draft account. An early withdrawal fee of $15 is assessed for each occurrence prior to the scheduled transfer date.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $184 and upQuarterly paid dividends; requires a minimum balance of $184 to earn dividends. $15 early withdrawal fee per occurrence before mid-October transfer date.$184 and up | 0.15% | $15 | Quarterly paid dividends; requires a minimum balance of $184 to earn dividends. $15 early withdrawal fee per occurrence before mid-October transfer date. |
IRA Savings
0.15%APY
Offered in the form of accumulation accounts; subject to IRS regulations.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $184 and upQuarterly paid dividends; requires a minimum balance of $184.$184 and up | 0.15% | $15 | Quarterly paid dividends; requires a minimum balance of $184. |
Who can join FedTrust Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of select employee groups / eligible companies are eligible for membership.
Military, government and schools
- Employees and retirees of the U.S. civilian federal government are eligible for membership.
Family and household
- Immediate family members of credit union members are eligible for membership.
Cost to join
- Opening a share savings account requires an initial deposit of $5.
Membership information collected October 5, 2026.