Credit union · NCUA insured
Four Points Federal Credit Union Savings Rates
Four Points Federal Credit Union’s best savings rate is 0.15% APY on $10,000, with its Share Savings. Rates checked October 22, 2026.
How Four Points Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Omaha, NE-IA, where Four Points Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Four Points Federal Credit Union
0.15%APY
- Minimum
- $5
- Earns on $10,000 a year
- $15
Share Savings
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Cornhusker Bank
3.46%APY
- Minimum
- $100
- Earns on $10,000 a year
- $346
Four Points Federal Credit Union savings score
70
Savings score
Higher than 26% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0003.00%
- QualifiedQualified0.15%
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 Four Points Federal 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.
Prime Money Market
0.20%APY
Rate tied to Wall Street Journal Prime Rate. Rates update on the 1st of the month following a change to Wall Street Prime. Rate floor is 0.20%. Minimum balance of $15,000 required; if average daily balance falls below $15,000, a monthly service charge of $25.00 applies. Dividends are credited and compounded monthly on the entire account balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $20,000Calculated as Wall Street Prime – 7.00% (or WS Prime – 7.50% per Fee Schedule); floor rate is 0.20%. $25.00 monthly fee applies if average daily balance falls below $15,000. | 0.20% | $20 | Calculated as Wall Street Prime – 7.00% (or WS Prime – 7.50% per Fee Schedule); floor rate is 0.20%. $25.00 monthly fee applies if average daily balance falls below $15,000. |
| $20,000 and upCalculated as Wall Street Prime – 3.203% (or WS Prime – 3.75% per Fee Schedule); floor rate is 0.20%. $25.00 monthly fee applies if average daily balance falls below $15,000. | 3.00% | — | Calculated as Wall Street Prime – 3.203% (or WS Prime – 3.75% per Fee Schedule); floor rate is 0.20%. $25.00 monthly fee applies if average daily balance falls below $15,000. |
Sources (2)
All captured Sep 18, 2026
High Yield Money Market
0.05%APY
Five-tiered interest rate structure. Dividend rate is determined each month at the sole discretion of the Board of Directors. Dividends are credited and compounded monthly using the daily balance method.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.05% | $5 |
| $25,000 – $99,999 | 0.55% | — |
| $100,000 – $249,999 | 1.10% | — |
| $250,000 – $499,999 | 1.30% | — |
| $500,000 and up | 1.80% | — |
Sources (2)
All captured Sep 18, 2026
Share Savings
0.15%APY
No monthly service charge
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Below $1,000 | 0.05% | — | Below $1,000 |
| $1,000 and up | 0.15% | $15 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Savings
0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Below $1,000 | 0.10% | — | Below $1,000 |
| $1,000 and up | 0.20% | $20 |
Sources (2)
All captured Sep 18, 2026
Youth Savings
0.15%APY
Designed for young people aged 18 and under
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.15% | $15 |
Sources (2)
All captured Sep 18, 2026
Who can join Four Points Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Consumers and residents anywhere in the United States can join through partnership with the American Consumer Council.
- Employees of Select Employee Groups can join Four Points Federal Credit Union.
Family and household
- Immediate family members (including spouses, children, siblings, parents, grandparents, and grandchildren) of employees of Select Employee Groups are eligible for membership.
Membership information collected October 4, 2026.