Credit union · NCUA insured
First Watch Credit Union Savings Rates
Top CarrotFirst Watch Credit Union’s best savings rate is 0.65% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How First Watch Credit Union’s savings rates compare
Compared with banks and credit unions near Abilene, TX, where First Watch Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Watch Credit Union
0.65%APY
- Earns on $10,000 a year
- $65
Money Market
Top rate
Communities of Abilene Federal Credit Union
3.75%APY
- Earns on $10,000 a year
- $375
2nd-highest rate
UMB Bank
3.71%APY
- Earns on $10,000 a year
- $371
First Watch Credit Union savings score
82
Savings score
Higher than 58% of U.S. banks and credit unions
- $1,000 balance$1,0000.65%
- $10,000 balance$10,0000.65%
- $100,000 balance$100,0001.20%
- QualifiedQualified0.65%
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 Watch 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
0.65%APY
Membership/Regular Savings required. Minimum balance of $1,000.00. Dividends calculated daily and paid monthly. Three check or counter withdrawals per month at no charge.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 and up | 0.65% | $65 |
| $25,000 and up | 0.85% | — |
| $100,000 and up | 1.20% | — |
Share Account
0.05%APY
Dividends paid quarterly on balances over $100.00. Minimum balance of $25.00 (Simply Savings).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid quarterly.$100 and up | 0.05% | $5 | Dividends paid quarterly. |
Special Savings
0.05%APY
Minimum balance of $5.00. Save for a special purchase and name account accordingly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid quarterly on balances over $100.00.$100 and up | 0.05% | $5 | Dividends paid quarterly on balances over $100.00. |
Special-purpose accounts
IRA
0.65%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid quarterly.$100 and up | 0.65% | $65 | Dividends paid quarterly. |
Sources (1)
- myfwcu.org/bank/rates-and-fees · captured Sep 17, 2026
Christmas Club
0.10%APY
Minimum balance of $5.00. Set aside spending money for the holidays.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid quarterly on balances over $100.00.$100 and up | 0.10% | $10 | Dividends paid quarterly on balances over $100.00. |
Simply Kids
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends paid quarterly.$50 and up | 0.10% | $10 | Dividends paid quarterly. |
Sources (1)
- myfwcu.org/bank/rates-and-fees · captured Sep 17, 2026
Simply Teen
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends paid quarterly.$50 and up | 0.10% | $10 | Dividends paid quarterly. |
Sources (1)
- myfwcu.org/bank/rates-and-fees · captured Sep 17, 2026
Simply 50+
0.02%APY
Dividends paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid monthly.$100 and up | 0.02% | $2 | Dividends paid monthly. |
Sources (1)
- myfwcu.org/bank/rates-and-fees · captured Sep 17, 2026
Teen Draft
0.02%APY
Dividends paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends paid monthly.$50 and up | 0.02% | $2 | Dividends paid monthly. |
Sources (1)
- myfwcu.org/bank/rates-and-fees · captured Sep 17, 2026
Who can join First Watch Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in, as well as businesses and other legal entities located in Taylor, Haskell, Jones, Shackelford, Stephens, Nolan, Callahan, Eastland, Runnels, Coleman, Brown, Comanche and Erath counties, Texas are eligible for membership.
Family and household
- Immediate family members (grandparent, parent, spouse, sibling, child, grandchild, adopted children, stepparents, stepchildren, and stepsiblings) of eligible persons or current members, as well as organizations of such persons, are eligible for membership.
- Household members of current members living in the same residence and maintaining a single economic unit are eligible for membership.
Other ways
- Members of record of First Watch Credit Union as of November 9, 2000 are eligible for membership.
- Spouses of persons who died while within the field of membership of First Watch Credit Union are eligible for membership.
Cost to join
- Opening a savings account and establishing membership requires a $26 deposit.
Membership information collected October 5, 2026.