Credit union · NCUA insured
Freestone Credit Union Savings Rates
Freestone Credit Union’s best savings rate is 0.20% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Freestone Credit Union’s savings rates compare
Compared with banks and credit unions in Texas, where Freestone Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Freestone Credit Union
0.20%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $20
Money Market Account
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $513
2nd-highest rate
Citizens Bank of Las Cruces
5.12%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $512
Freestone Credit Union savings score
68
Savings score
Higher than 21% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.20%
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 Freestone 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.
Money Market Account
Up to 0.20%APY
No fees for having a Money Market account. Dividends compounded and credited monthly. Average daily balance method. Account transfer limitations apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upTier 1. Dividends APR is 0.15%. Minimum balance to earn stated APY is $2,500.00. | 0.15% | $15 | Tier 1. Dividends APR is 0.15%. Minimum balance to earn stated APY is $2,500.00. |
| $10,000 and upTier 2. Dividends APR is 0.20%. Minimum balance to earn stated APY is $10,000.00. | 0.20% | $20 | Tier 2. Dividends APR is 0.20%. Minimum balance to earn stated APY is $10,000.00. |
| $25,000 and upTier 3. Dividends APR is 0.25%. Minimum balance to earn stated APY is $25,000.00. | 0.25% | — | Tier 3. Dividends APR is 0.25%. Minimum balance to earn stated APY is $25,000.00. |
Share Account
0.05%APY
Every member must have a Share (savings) Account. Minimum balance required in the Share Account for the life of the account. Average Daily Balance method used. Dividends compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRequires minimum average daily balance of $100.00 to earn the stated APY. Dividends compounded and credited quarterly.$100 and up | 0.05% | $5 | Requires minimum average daily balance of $100.00 to earn the stated APY. Dividends compounded and credited quarterly. |
Special-purpose accounts
IRA Accounts
0.75%APY
All savings accounts require a minimum balance in the Share Account for the life of the account. Dividends compounded and credited quarterly. Limitations governed by the IRS.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly.Any balance | 0.75% | $75 | Dividends compounded and credited quarterly. |
Children's & Teen Accounts
0.50%APY
Children's accounts for ages birth to 12 (no minimum deposit required, parents need not have an account); Teen accounts for ages 13 to 17.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly.Any balance | 0.50% | $50 | Dividends compounded and credited quarterly. |
Sources (4)
- freestonecu.org/rates
- freestonecu.org/types-of-youth-accounts
- freestonecu.org/childrens-savings-accounts
- freestonecu.org/claim-your-youth
All captured Sep 17, 2026
Vacation, Christmas & Other Savings Accounts
0.50%APY
For Christmas Club account, entire balance paid by check on or after November 1 (unless otherwise requested) and account remains open. All savings accounts require a minimum balance in the Share Account for the life of the account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly.Any balance | 0.50% | $50 | Dividends compounded and credited quarterly. |
Who can join Freestone Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who reside or work in Freestone, Limestone, Navarro, Leon, or Madison County in Texas are eligible for membership.
Employers and groups
- Employees of the BNSF Railroad qualify for membership.
Family and household
- Immediate family members of current credit union members qualify for membership.
Membership information collected October 5, 2026.