Credit union · NCUA insured
FRB Federal Credit Union Savings Rates
Top CarrotFRB Federal Credit Union’s best savings rate is 0.30% APY on $10,000, with its Special Share Savings. Rates checked October 22, 2026.
How FRB Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where FRB Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
FRB Federal Credit Union
0.30%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $30
Special Share Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
FRB Federal Credit Union savings score
74
Savings score
Higher than 37% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.30%
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 FRB 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.
Special Share Savings
0.30%APY
Variable-rate account. Free with maintenance of $25 in share savings account. No debit card access and cannot be used for automatic overdraft protection. Transfer limitations apply. Minimum balance of $25 required to obtain the advertised APY.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $50,000Tier 1 rate for balances up to $49,999.99. Minimum balance of $25 required to obtain the advertised APY. No monthly fee. · Unknown to open | 0.30% | Unknown | $30 | Tier 1 rate for balances up to $49,999.99. Minimum balance of $25 required to obtain the advertised APY. No monthly fee. |
| $50,000 and upTier 2 rate for balances of $50,000 and over. Minimum opening deposit $50,000 & over. No monthly fee. · $50,000 to open | 0.40% | $50,000 | — | Tier 2 rate for balances of $50,000 and over. Minimum opening deposit $50,000 & over. No monthly fee. |
Regular (Prime Shares)
0.10%APY
Variable-rate account. Monthly fee of $2.00 applies if minimum balance of $25.00 is not maintained. Minimum balance of $25 required to obtain the advertised APY. Transfer limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance of $25 required to obtain the advertised APY. $2.00 monthly fee applies if minimum balance drops below $25.00.$25 and up | 0.10% | $10 | Minimum balance of $25 required to obtain the advertised APY. $2.00 monthly fee applies if minimum balance drops below $25.00. |
Sources (3)
All captured Oct 3, 2026
Special-purpose accounts
IRA Shares
0.30%APY
Variable-rate account. Available for Traditional and Roth IRAs. Requires maintenance of membership share ($25 par value). Minimum balance of $25 required to obtain the advertised APY. Transfer limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upRequires maintenance of membership share. Minimum balance of $25 required to obtain advertised APY. Available as Traditional or Roth IRA. No monthly fee.$25 and up | 0.30% | $30 | Requires maintenance of membership share. Minimum balance of $25 required to obtain advertised APY. Available as Traditional or Roth IRA. No monthly fee. |
Holiday Club Shares
0.10%APY
Variable-rate account. Requires maintenance of membership share ($25 par value). 4 withdrawals permitted each year. Transfer limitations apply. Minimum balance of $25 required to obtain the advertised APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upRequires maintenance of membership share. Minimum balance of $25 required to obtain advertised APY. 4 withdrawals permitted each year. No monthly fee.$25 and up | 0.10% | $10 | Requires maintenance of membership share. Minimum balance of $25 required to obtain advertised APY. 4 withdrawals permitted each year. No monthly fee. |
Vacation Club Shares
0.10%APY
Variable-rate account. Requires maintenance of membership share ($25 par value). 4 withdrawals permitted each year. Transfer limitations apply. Minimum balance of $25 required to obtain the advertised APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upRequires maintenance of membership share. Minimum balance of $25 required to obtain advertised APY. 4 withdrawals permitted each year. No monthly fee.$25 and up | 0.10% | $10 | Requires maintenance of membership share. Minimum balance of $25 required to obtain advertised APY. 4 withdrawals permitted each year. No monthly fee. |
Who can join FRB Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of contractors for the Federal Reserve System.
- Membership is open to employees of the credit union.
Military, government and schools
- Membership is open to current and retired members, officers, and employees of the Federal Reserve Board.
- Membership is open to current and retired employees of Federal Reserve Banks.
- Membership is open to officers and employees of the Bureau of Consumer Financial Protection.
Family and household
- Membership is open to immediate family members (spouses, parents, children, siblings, grandparents, grandchildren, adoptive children, stepchildren, domestic partners) or permanent household members of eligible members who qualify directly and were not sponsored themselves.
1 more way to join
Other ways
- Membership is open to organizations of eligible members.
Membership information collected October 4, 2026.