Credit union · NCUA insured
Fort Community Credit Union Savings Rates
Top CarrotFort Community Credit Union’s best savings rate is 3.16% APY on $10,000, with its Next Step Savings. Rates checked October 16, 2026.
How Fort Community Credit Union’s savings rates compare
Compared with banks and credit unions near Watertown, WI, where Fort Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Fort Community Credit Union
3.66%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $366
Goal Getter Savings
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
3rd-highest rate
Bank First
1.16%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $116
Fort Community Credit Union savings score
97
Savings score
Higher than 99% of U.S. banks and credit unions
- $1,000 balance$1,0005.12%
- $10,000 balance$10,0003.66%
- $100,000 balance$100,0003.16%
- QualifiedQualified3.66%
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 Fort Community 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.
TBD Savings
0.05%APY
$5 minimum opening deposit. Dividends compounded monthly.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $1,000Applies to balances $0 - $1,000. Dividends compounded monthly. · $5 to open | 5.12% | $5 | — | Applies to balances $0 - $1,000. Dividends compounded monthly. |
| Up to $1,000Applies to balances $0 - $1,000. Dividends paid monthly. · Unknown to open | 5.12% | Unknown | — | Applies to balances $0 - $1,000. Dividends paid monthly. |
| Over $1,000Applies to balances $1,000.01+. Dividends compounded monthly. · $5 to open | 0.05% | $5 | $5 | Applies to balances $1,000.01+. Dividends compounded monthly. |
| Over $1,000Applies to balances $1,000.01+. Dividends paid monthly. · Unknown to open | 0.05% | Unknown | $5 | Applies to balances $1,000.01+. Dividends paid monthly. |
Change-Up Savings
5.09%APY
Requires checking account, debit card, and E-Statements. Deposits allowed only from debit card round-up and drive-up teller change. Dividends compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires checking account, debit card, and E-Statements. Deposits allowed only from debit card round-up and drive-up teller change. Dividends compounded quarterly.Any balance | 5.09% | $509 | Requires checking account, debit card, and E-Statements. Deposits allowed only from debit card round-up and drive-up teller change. Dividends compounded quarterly. |
| Any balanceDividends paid quarterly.Any balance | 5.09% | $509 | Dividends paid quarterly. |
Goal Getter Savings
3.66%APY
$5 minimum opening deposit. Dividends compounded monthly.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $15,000Applies to balances $0 - $15,000. Dividends compounded monthly. · $5 to open | 3.66% | $5 | $366 | Applies to balances $0 - $15,000. Dividends compounded monthly. |
| Up to $15,000Applies to balances $0 - $15,000. Dividends paid monthly. · Unknown to open | 3.66% | Unknown | $366 | Applies to balances $0 - $15,000. Dividends paid monthly. |
| Over $15,000Applies to balances $15,000.01+. Dividends compounded monthly. · $5 to open | 0.05% | $5 | — | Applies to balances $15,000.01+. Dividends compounded monthly. |
| Over $15,000Applies to balances $15,000.01+. Dividends paid monthly. · Unknown to open | 0.05% | Unknown | — | Applies to balances $15,000.01+. Dividends paid monthly. |
Next Step Savings
3.16%APY
$5 minimum opening deposit. Dividends compounded monthly.
| BalanceRequirement | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Any balanceApplies to entire balance. Dividends compounded monthly.Any balance · $5 to open | 3.16% | $5 | $316 | Applies to entire balance. Dividends compounded monthly. |
| Any balanceDividends paid monthly.Any balance · Unknown to open | 3.16% | Unknown | $316 | Dividends paid monthly. |
Money Fund
0.08%APY
Rates effective as of 2026-10-01. Minimum opening deposit $2,500. Monthly fee $5, waived if monthly balance exceeds $2,500. Dividends compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum balance to earn APY $2,500. | 0.08% | $8 | Minimum balance to earn APY $2,500. |
| $15,000 and upMinimum balance to earn APY $15,000. | 0.50% | — | Minimum balance to earn APY $15,000. |
| $50,000 and upMinimum balance to earn APY $50,000. | 1.00% | — | Minimum balance to earn APY $50,000. |
| $100,000 and upMinimum balance to earn APY $100,000. | 1.26% | — | Minimum balance to earn APY $100,000. |
| $200,000 and upMinimum balance to earn APY $200,000. | 1.51% | — | Minimum balance to earn APY $200,000. |
Sources (2)
- fortcommunity.com/education-resources/tools/rates
- fortcommunity.com/checking-savings/savings/moneyfund
All captured Oct 16, 2026
Escrow
0.17%APY
Dividends paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly.Any balance | 0.17% | $17 | Dividends paid quarterly. |
Sources (1)
- fortcommunity.com/education-resources/tools/rates · captured Oct 5, 2026
Regular Savings
0.05%APY
Requires opening a $5 membership share of the financial co-op. Dividends compounded quarterly.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Any balanceDividends paid quarterly. · Unknown to open | 0.05% | Unknown | $5 | Dividends paid quarterly. |
| $5 and upDividends compounded quarterly. · $5 to open | 0.05% | $5 | $5 | Dividends compounded quarterly. |
Saver's Sweepstakes
0.05%APY
Must be a credit union member and resident of Wisconsin, Minnesota, or Illinois. Open to individuals only. $25 minimum opening deposit and $25 minimum balance. Earns prize drawing entries for every $25 saved (up to 6 entries per month). Dividends compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly.Any balance | 0.05% | $5 | Dividends paid quarterly. |
Special Savings
0.05%APY
Dividends compounded quarterly.
| BalanceRequirement | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Any balanceDividends compounded quarterly.Any balance · $5 to open | 0.05% | $5 | $5 | Dividends compounded quarterly. |
| Any balanceDividends paid quarterly.Any balance · Unknown to open | 0.05% | Unknown | $5 | Dividends paid quarterly. |
Special-purpose accounts
Passbook IRA
0.55%APY
Dividends paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly.Any balance | 0.55% | $55 | Dividends paid quarterly. |
Health Savings Account
Up to 0.20%APY
Available to individuals covered by a High Deductible Health Plan (HDHP). Monthly fee of $3 is waived if monthly balance exceeds $2,000. Dividends compounded monthly.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $500 and upMonthly fee of $3 waived if monthly balance exceeds $2,000. Dividends compounded monthly. Minimum balance to earn APY is $500. · $0 to open | 0.05% | $0 | $5 | Monthly fee of $3 waived if monthly balance exceeds $2,000. Dividends compounded monthly. Minimum balance to earn APY is $500. |
| $500 and upDividends paid monthly. Minimum balance to earn APY is $500. · Unknown to open | 0.05% | Unknown | $5 | Dividends paid monthly. Minimum balance to earn APY is $500. |
| $2,500 and upMonthly fee of $3 waived if monthly balance exceeds $2,000. Dividends compounded monthly. Minimum balance to earn APY is $2,500. · $0 to open | 0.10% | $0 | $10 | Monthly fee of $3 waived if monthly balance exceeds $2,000. Dividends compounded monthly. Minimum balance to earn APY is $2,500. |
| $2,500 and upDividends paid monthly. Minimum balance to earn APY is $2,500. · Unknown to open | 0.10% | Unknown | $10 | Dividends paid monthly. Minimum balance to earn APY is $2,500. |
| $5,000 and upMonthly fee of $3 waived if monthly balance exceeds $2,000. Dividends compounded monthly. Minimum balance to earn APY is $5,000. · $0 to open | 0.20% | $0 | $20 | Monthly fee of $3 waived if monthly balance exceeds $2,000. Dividends compounded monthly. Minimum balance to earn APY is $5,000. |
| $5,000 and upDividends paid monthly. Minimum balance to earn APY is $5,000. · Unknown to open | 0.20% | Unknown | $20 | Dividends paid monthly. Minimum balance to earn APY is $5,000. |
| $15,000 and upMonthly fee of $3 waived if monthly balance exceeds $2,000. Dividends compounded monthly. Minimum balance to earn APY is $15,000. · $0 to open | 0.25% | $0 | — | Monthly fee of $3 waived if monthly balance exceeds $2,000. Dividends compounded monthly. Minimum balance to earn APY is $15,000. |
| $15,000 and upDividends paid monthly. Minimum balance to earn APY is $15,000. · Unknown to open | 0.25% | Unknown | — | Dividends paid monthly. Minimum balance to earn APY is $15,000. |
Christmas Club Savings
0.05%APY
October 1 - January 15, no fee. January 16 - September 30, early withdrawal fee of $2.00 per draw.
| BalanceRequirement | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Any balanceDividends compounded annually. Early withdrawal fee of $2.00 per draw from January 16 through September 30; no fee October 1 through January 15.Any balance · $5 to open | 0.05% | $5 | $5 | Dividends compounded annually. Early withdrawal fee of $2.00 per draw from January 16 through September 30; no fee October 1 through January 15. |
| Any balanceDividends paid annually.Any balance · Unknown to open | 0.05% | Unknown | $5 | Dividends paid annually. |
Who can join Fort Community 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 anyone living or working in Dane, Dodge, Jefferson, Rock, Walworth, and Waukesha counties.
Membership information collected October 5, 2026.