Credit union · NCUA insured
First Basin Credit Union Savings Rates
First Basin Credit Union’s best savings rate is 0.50% APY on $10,000, with its Platinum Money Market Account. Rates checked October 16, 2026.
How First Basin Credit Union’s savings rates compare
Compared with banks and credit unions near Odessa, TX, where First Basin Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Basin Credit Union
0.50%APY
- Minimum
- $0
- Earns on $10,000 a year
- $50
Platinum Money Market Account
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
First National Bank Texas
2.00%APY
- Minimum
- $0
- Earns on $10,000 a year
- $200
First Basin Credit Union savings score
78
Savings score
Higher than 47% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.50%
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 First Basin 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.
Platinum Money Market Account
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $24,999 | 0.50% | $50 |
| $25,000 – $49,999 | 0.60% | — |
| $50,000 – $99,999 | 0.75% | — |
| $100,000 and up | 1.00% | — |
Sources (3)
- firstbasin.com/savings
- firstbasin.com/share-rates-fees
- firstbasin.com/images/document…0424_1410993113_2773.pdf
All captured Sep 17, 2026
Share Savings Account
0.15%APY
Requires a $25 deposit into Share Savings for buy-in/membership to the credit union (returned if account is closed).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $15,000Interest compounded daily, credited quarterly. Average daily balance method. Minimum balance to avoid a service fee is none. | 0.15% | $15 | Interest compounded daily, credited quarterly. Average daily balance method. Minimum balance to avoid a service fee is none. |
| $15,000 and upJumbo tier. Interest compounded daily, credited quarterly. Average daily balance method. Minimum balance to avoid a service fee is none. | 0.25% | — | Jumbo tier. Interest compounded daily, credited quarterly. Average daily balance method. Minimum balance to avoid a service fee is none. |
Sources (3)
- firstbasin.com/savings
- firstbasin.com/share-rates-fees
- firstbasin.com/images/document…0424_1410993113_2773.pdf
All captured Sep 17, 2026
Special-purpose accounts
Kidz Club Super Saver
0.35%APY
Legal guardian must be joint owner of the account. Parental permission is required for deposits and withdrawals. First Basin matches the first $5 deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upInterest compounded monthly, credited quarterly. Average daily balance method. Minimum balance to avoid service fee is none.$5 and up | 0.35% | $35 | Interest compounded monthly, credited quarterly. Average daily balance method. Minimum balance to avoid service fee is none. |
Sources (3)
- firstbasin.com/youth-banking
- firstbasin.com/share-rates-fees
- firstbasin.com/images/document…0424_1410993113_2773.pdf
All captured Sep 17, 2026
Christmas Club
0.30%APY
Withdrawals can be made without penalty from November through December 24 (November 1 to December 24). Early withdrawals result in account closure until the first business day of the following year (or closure for 1 year).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upInterest compounded daily, credited quarterly. Average daily balance method. Minimum balance to avoid service fee is none. Penalty applies for early withdrawal outside November through December 24.$500 and up | 0.30% | $30 | Interest compounded daily, credited quarterly. Average daily balance method. Minimum balance to avoid service fee is none. Penalty applies for early withdrawal outside November through December 24. |
Sources (3)
- firstbasin.com/savings
- firstbasin.com/share-rates-fees
- firstbasin.com/images/document…0424_1410993113_2773.pdf
All captured Sep 17, 2026
Vacation Club
0.30%APY
Withdrawals can be made without penalty from May through July (May 1 to July 31). Early withdrawals result in account closure until the first business day of the following year (or closure for 1 year).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upInterest compounded daily, credited quarterly. Average daily balance method. Minimum balance to avoid service fee is none. Penalty applies for early withdrawal outside May-July.$500 and up | 0.30% | $30 | Interest compounded daily, credited quarterly. Average daily balance method. Minimum balance to avoid service fee is none. Penalty applies for early withdrawal outside May-July. |
Sources (3)
- firstbasin.com/savings
- firstbasin.com/share-rates-fees
- firstbasin.com/images/document…0424_1410993113_2773.pdf
All captured Sep 17, 2026
Who can join First Basin Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or go to school in any of 17 specified West Texas counties are eligible for membership.
Cost to join
- A refundable deposit of $25 into a savings account is required for membership.
Membership information collected October 5, 2026.