Credit union · NCUA insured
Fort McClellan Credit Union Savings Rates
Fort McClellan Credit Union’s best savings rate is 0.05% APY on $10,000, with its Personal Savings / Share Accounts. Rates checked October 22, 2026.
How Fort McClellan Credit Union’s savings rates compare
Compared with banks and credit unions near Anniston, AL, where Fort McClellan Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Fort McClellan Credit Union
1.50%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $150
Emergency Fund
Top rate
FirstBank
3.40%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $340
2nd-highest rate
Southern Energy Credit Union
2.25%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $225
Fort McClellan Credit Union savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0001.50%
- $10,000 balance$10,0001.50%
- $100,000 balance$100,0000.15%
- QualifiedQualified1.50%
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 Fort McClellan 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.
Emergency Fund
1.50%APY
$5 minimum opening deposit. Minimum deposit to earn dividends is $100. Access funds twice annually without incurring fees; excess withdrawals subject to early withdrawal fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,001Minimum to earn stated APY is $100. Minimum to open is $5. | 1.50% | $150 | Minimum to earn stated APY is $100. Minimum to open is $5. |
| $10,001 and upAPY is 0.05% to 1.50%. Minimum to earn stated APY is $100. Minimum to open is $5. | 0.05% | — | APY is 0.05% to 1.50%. Minimum to earn stated APY is $100. Minimum to open is $5. |
Sources (3)
- fortmcclellancu.org/club-accounts
- fortmcclellancu.org/deposit-rates
- fortmcclellancu.org/services/schedule-of-fees
All captured Oct 5, 2026
Personal Savings / Share Accounts
0.05%APY
$5 to open and establishes membership. Dividends paid monthly on Share Accounts on average daily balance. Rates subject to change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $10,001 | 0.05% | $5 |
| $10,001 – $50,001 | 0.10% | — |
| $50,001 – $100,001 | 0.15% | — |
| $100,001 and up | 0.20% | — |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Christmas Club Account
0.05%APY
$5 minimum opening deposit. Minimum deposit to earn dividends is $100. Account withdrawal limitations apply: savings held until November-December, at which time unlimited withdrawals are available; early/excess withdrawals subject to fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,001Minimum to earn stated APY is $100. Minimum to open is $5. | 0.05% | $5 | Minimum to earn stated APY is $100. Minimum to open is $5. |
| $10,001 – $50,001Minimum to earn stated APY is $100. Minimum to open is $5. | 0.10% | — | Minimum to earn stated APY is $100. Minimum to open is $5. |
| $50,001 – $100,001Minimum to earn stated APY is $100. Minimum to open is $5. | 0.15% | — | Minimum to earn stated APY is $100. Minimum to open is $5. |
| $100,001 and upMinimum to earn stated APY is $100. Minimum to open is $5. | 0.20% | — | Minimum to earn stated APY is $100. Minimum to open is $5. |
Sources (3)
- fortmcclellancu.org/club-accounts
- fortmcclellancu.org/deposit-rates
- fortmcclellancu.org/services/schedule-of-fees
All captured Oct 5, 2026
IRA Share Accounts
0.05%APY
IRA Share Account. Minimum opening deposit $0. Rates subject to change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $10,001 | 0.05% | $5 |
| $10,001 – $50,001 | 0.10% | — |
| $50,001 – $100,001 | 0.15% | — |
| $100,001 and up | 0.20% | — |
Sources (1)
- fortmcclellancu.org/deposit-rates · captured Oct 5, 2026
Vacation Club Account
0.05%APY
$5 minimum opening deposit. Minimum deposit to earn dividends is $100. Account withdrawal limitations apply: unlocked in June-July for unlimited withdrawals; early/excess withdrawals subject to fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,001Minimum to earn stated APY is $100. Minimum to open is $5. | 0.05% | $5 | Minimum to earn stated APY is $100. Minimum to open is $5. |
| $10,001 – $50,001Minimum to earn stated APY is $100. Minimum to open is $5. | 0.10% | — | Minimum to earn stated APY is $100. Minimum to open is $5. |
| $50,001 – $100,001Minimum to earn stated APY is $100. Minimum to open is $5. | 0.15% | — | Minimum to earn stated APY is $100. Minimum to open is $5. |
| $100,001 and upMinimum to earn stated APY is $100. Minimum to open is $5. | 0.20% | — | Minimum to earn stated APY is $100. Minimum to open is $5. |
Sources (3)
- fortmcclellancu.org/club-accounts
- fortmcclellancu.org/deposit-rates
- fortmcclellancu.org/services/schedule-of-fees
All captured Oct 5, 2026
Who can join Fort McClellan 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 Calhoun, Cleburne, Talladega, Clay, Randolph, Cherokee, Etowah, St Clair, and Chambers Counties are eligible for membership.
Military, government and schools
- City, County, State, and Federal employees living or working in St. Clair and Etowah Counties are eligible for membership.
- All National Guard and US Army Reserve Personnel within the trade area of FMCU are eligible for membership.
Family and household
- Any relative of members, regardless of residence or place of employment, is eligible for membership.
Cost to join
- Opening a share savings account requires a $5 deposit to establish membership.
Membership information collected October 4, 2026.