Credit union · NCUA insured
Freedom Northwest Savings Rates
Freedom Northwest’s best savings rate is 0.35% APY on $10,000, with its Regular Money Market. Rates checked October 22, 2026.
How Freedom Northwest’s savings rates compare
Compared with banks and credit unions in Idaho, where Freedom Northwest has the most branches. $10,000, best rate first.
This credit union’s best
Freedom Northwest
1.50%APY
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000 a year
- $150
Rate Rise Money Market
Top rate
Members Preferred Credit Union
4.08%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $408
2nd-highest rate
America First Credit Union
3.95%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $395
Freedom Northwest savings score
81
Savings score
Higher than 57% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0000.35%
- 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 Freedom Northwest 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.
Rate Rise Money Market
Up to 1.50%APY
Requires a $5.00 Membership Account, a base share account, and an associated checking account. $10,000 minimum balance; a $25 monthly fee applies if balance drops below $10,000. Up to 6 withdrawals/transfers per calendar month without penalty ($20 fee per excess withdrawal).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 and upAssociated checking account average daily balance of $15,000 or more (earns additional 1.15% APY over regular money market rate on p7 schedule). Fee of $25 if balance drops below $10,000.$10,000 and up | 1.50% | $150 | Associated checking account average daily balance of $15,000 or more (earns additional 1.15% APY over regular money market rate on p7 schedule). Fee of $25 if balance drops below $10,000. |
| $10,000 and upAssociated checking account average daily balance between $10,000 and $14,999 (earns additional 0.40% APY over regular money market rate on p7 schedule). Fee of $25 if balance drops below $10,000.$10,000 and up | 0.75% | $75 | Associated checking account average daily balance between $10,000 and $14,999 (earns additional 0.40% APY over regular money market rate on p7 schedule). Fee of $25 if balance drops below $10,000. |
| $10,000 and upAssociated checking account average daily balance between $5,000 and $9,999 (earns additional 0.15% APY over regular money market rate). Fee of $25 if balance drops below $10,000.$10,000 and up | 0.50% | $50 | Associated checking account average daily balance between $5,000 and $9,999 (earns additional 0.15% APY over regular money market rate). Fee of $25 if balance drops below $10,000. |
| $10,000 and upAssociated checking account balance of less than $5,000 earns the regular money market rate. Fee of $25 if balance drops below $10,000.$10,000 and up | 0.35% | $35 | Associated checking account balance of less than $5,000 earns the regular money market rate. Fee of $25 if balance drops below $10,000. |
Sources (2)
All captured Oct 22, 2026
Regular Money Market
0.35%APY
Requires a $5.00 Membership Account. Up to 3 monthly withdrawals or transfers without penalty. No monthly fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.35% | $35 |
Sources (2)
All captured Oct 22, 2026
Savings (Share)
0.05%APY
$5.00 Membership Account is required. All rates are subject to change, after account opening, without notice. Dividends paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly. $5.00 Membership Account is required.Any balance | 0.05% | $5 | Dividends paid quarterly. $5.00 Membership Account is required. |
Special-purpose accounts
IRA Savings
1.00%APY
$5.00 Membership Account is required. All rates are subject to change, after account opening, without notice. Dividends paid quarterly. Available as Traditional IRAs or Roth IRAs.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly. $5.00 Membership Account is required. Available as Traditional IRAs or Roth IRAs.Any balance | 1.00% | $100 | Dividends paid quarterly. $5.00 Membership Account is required. Available as Traditional IRAs or Roth IRAs. |
Holiday Savings
0.25%APY
$5.00 Membership Account is required. All rates are subject to change, after account opening, without notice. Dividends paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly. $5.00 Membership Account is required.Any balance | 0.25% | $25 | Dividends paid quarterly. $5.00 Membership Account is required. |
Sources (1)
- fnwcu.org/bank/deposit-rates · captured Oct 22, 2026
Who can join Freedom Northwest
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.