Credit union · NCUA insured
Firefighters Credit Union Savings Rates
Firefighters Credit Union’s best savings rate is 1.20% APY on $10,000, with its Deluxe Money Market. Rates checked October 16, 2026.
How Firefighters Credit Union’s savings rates compare
Compared with banks and credit unions near La Crosse, WI-MN, where Firefighters Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Firefighters Credit Union
1.20%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $120
Deluxe Money Market
Top rate
Altra Federal Credit Union
3.75%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
Firefighters Credit Union savings score
86
Savings score
Higher than 74% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0001.20%
- $100,000 balance$100,0001.40%
- QualifiedQualified1.20%
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 Firefighters 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.
Deluxe Money Market
1.20%APY
Tiered account; monthly dividends; no monthly maintenance fee; $5,000 minimum balance to open; unlimited deposits; unlimited in-person withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 1.00% | — |
| $5,000 – $25,000 | 1.20% | $120 |
| $25,000 – $50,000 | 1.30% | — |
| $50,000 – $150,000 | 1.40% | — |
| $150,000 and up | 1.75% | — |
Money Tree Savings
0.20%APY
Tiered savings option that pays higher dividends on higher balances with a higher interest rate than a regular savings account. No minimum balance required; unlimited deposits and withdrawals. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Pays monthly dividends; higher interest rate than regular savings account. Unlimited deposits and withdrawals. Fees may reduce earnings. | 0.20% | $20 | Pays monthly dividends; higher interest rate than regular savings account. Unlimited deposits and withdrawals. Fees may reduce earnings. |
| $25,000 and upPays monthly dividends; higher interest rate than regular savings account. Unlimited deposits and withdrawals. Fees may reduce earnings. | 0.30% | — | Pays monthly dividends; higher interest rate than regular savings account. Unlimited deposits and withdrawals. Fees may reduce earnings. |
Special-purpose accounts
Christmas Club
0.10%APY
Monthly dividends; unlimited deposits; payroll deduction or automatic transfers; funds available after November 1st. Transfers to designated account or check on Nov 1st; withdrawals at any other time subject to fee. Fee waived if closed within 7 days of opening. Closed after 5 years of inactivity.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Entire balance paid on November 1st. Fee for early access. Fee waived if closed within 7 days. Closed after 5 years of inactivity. | 3.50% | — | Entire balance paid on November 1st. Fee for early access. Fee waived if closed within 7 days. Closed after 5 years of inactivity. |
| Over $2,500Tier APY calculated using a range of balances from $2,500.01 to $10,000.00; dividend rate of 0.10% paid only on portion of daily balance greater than $2,500.01. | 0.10% | $10 | Tier APY calculated using a range of balances from $2,500.01 to $10,000.00; dividend rate of 0.10% paid only on portion of daily balance greater than $2,500.01. |
IRA Savings
0.25%APY
Individual Retirement Account available in Traditional IRA, Roth IRA, and Educational IRA options. Earns monthly dividends. Penalty fees could reduce earnings on accounts.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Penalty fees could reduce the earnings on accounts. | 0.10% | — | Penalty fees could reduce the earnings on accounts. |
| $10,000 and upPenalty fees could reduce the earnings on accounts. | 0.25% | $25 | Penalty fees could reduce the earnings on accounts. |
Sources (2)
All captured Sep 24, 2026
Vacation Club
0.10%APY
Monthly dividends; unlimited deposits; up to three withdrawals per calendar year; payroll deduction or automatic transfers available. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMonthly dividends; unlimited deposits; payroll deduction or automatic transfers; up to three withdrawals per calendar year. Fees may reduce earnings.$5 and up | 0.10% | $10 | Monthly dividends; unlimited deposits; payroll deduction or automatic transfers; up to three withdrawals per calendar year. Fees may reduce earnings. |
Who can join Firefighters Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live or work in specified Minnesota counties.
- Membership is open to individuals who live or work in specified Wisconsin counties.
Employers and groups
- Membership is open to licensed real estate agents servicing the area within a 50-mile radius of La Crosse.
- Membership is open to employees of USA Securities.
Military, government and schools
- Membership is open to employees of an Emergency Protective Service Agency within the servicing area of La Crosse.
Family and household
- Membership is open to immediate family members of eligible individuals.
1 more way to join
Family and household
- Membership is open to relatives of eligible individuals living in the same household.
Membership information collected October 5, 2026.