Credit union · NCUA insured
First Service Credit Union Savings Rates
Top CarrotFirst Service Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How First Service Credit Union’s savings rates compare
Compared with banks and credit unions near Houston, TX, where First Service Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Service Credit Union
1.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $100
Money Market Account
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Minimum
- —
- Earns on $10,000 a year
- $513
2nd-highest rate
Nizari Credit Union
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
First Service Credit Union savings score
84
Savings score
Higher than 65% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.15%
- 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 First Service 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.
Money Market Account
1.00%APY
No monthly service charge. Start account with $1.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Dividends are compounded and credited monthly. | 0.10% | — | Dividends are compounded and credited monthly. |
| $2,500 – $25,000Dividends are compounded and credited monthly. | 1.00% | $100 | Dividends are compounded and credited monthly. |
| $25,000 – $50,000Dividends are compounded and credited monthly. | 1.05% | — | Dividends are compounded and credited monthly. |
| $50,000 – $100,000Dividends are compounded and credited monthly. | 1.10% | — | Dividends are compounded and credited monthly. |
| $100,000 – $250,000Dividends are compounded and credited monthly. | 1.15% | — | Dividends are compounded and credited monthly. |
| $250,000 – $500,000Dividends are compounded and credited monthly. | 1.20% | — | Dividends are compounded and credited monthly. |
| $500,000 and upDividends are compounded and credited monthly. | 1.25% | — | Dividends are compounded and credited monthly. |
Sources (1)
- fscu.com/personal/checking-and-savings/money-market · captured Oct 6, 2026
Bongo Savings Account
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends are compounded and credited monthly.$100 and up | 0.05% | $5 | Dividends are compounded and credited monthly. |
Sources (1)
- fscu.com/resources/member-benefits/rates-service-charges · captured Oct 6, 2026
Primary Savings Account
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends are compounded and credited monthly.$100 and up | 0.05% | $5 | Dividends are compounded and credited monthly. |
Secondary Savings Account
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends are compounded and credited monthly.$100 and up | 0.05% | $5 | Dividends are compounded and credited monthly. |
Special-purpose accounts
Coverdell ESA Savings Account
0.30%APY
Contribute up to $2,000 annually per child until age 18. Zero setup, monthly, and annual service charges.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $50,000Dividends are compounded and credited monthly. | 0.30% | $30 | Dividends are compounded and credited monthly. |
| $50,000 and upDividends are compounded and credited monthly. | 0.60% | — | Dividends are compounded and credited monthly. |
Sources (2)
- fscu.com/personal/investments/…erdell-education-savings
- fscu.com/resources/member-benefits/rates-service-charges
All captured Oct 6, 2026
IRA Savings Account
0.30%APY
Traditional, Roth, and SEP options available.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $50,000Dividends are compounded and credited monthly. | 0.30% | $30 | Dividends are compounded and credited monthly. |
| $50,000 and upDividends are compounded and credited monthly. | 0.60% | — | Dividends are compounded and credited monthly. |
Sources (2)
- fscu.com/personal/investments/…idual-retirement-account
- fscu.com/resources/member-benefits/rates-service-charges
All captured Oct 6, 2026
Holiday Club Savings Account
0.30%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upAccount may be subject to a penalty for early withdrawal.$5 and up | 0.30% | $30 | Account may be subject to a penalty for early withdrawal. |
Health Savings Account
0.10%APY
Must be at least 18 years old and covered by a qualified High Deductible Health Plan (HDHP).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends are compounded and credited monthly.$5 and up | 0.10% | $10 | Dividends are compounded and credited monthly. |
Bongo Youth Account
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends are compounded and credited monthly.$100 and up | 0.05% | $5 | Dividends are compounded and credited monthly. |
Sources (2)
- fscu.com/resources/member-benefits/rates-service-charges
- fscu.com/personal/checking-and…ings/bongo-youth-account
All captured Oct 6, 2026
Who can join First Service 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 reside, work, worship, or study in Austin County, Brazoria County, Chambers County, Fort Bend County, Galveston County, Grimes County, Harris County, Liberty County, Matagorda County, Montgomery County, San Jacinto County, Walker County, Waller County, Wharton County, Conroe ISD, or Magnolia ISD are eligible for membership.
Employers and groups
- Employees of select employee groups including KBR, Halliburton, CenterPoint Energy, Baker Hughes, NRG, and Kinder Morgan are eligible for membership.
Family and household
- Individuals related to an existing First Service member are eligible for membership.
Other ways
- Individuals who make a donation to the You First Foundation are eligible for membership.
Membership information collected October 5, 2026.