Credit union · NCUA insured
Ft. Randall Federal Credit Union Savings Rates
Ft. Randall Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Savings. Rates checked October 22, 2026.
How Ft. Randall Federal Credit Union’s savings rates compare
Compared with banks and credit unions in South Dakota, where Ft. Randall Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ft. Randall Federal Credit Union
0.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $50
Share Savings
Top rate
ONE AMERICAN BANK
3.00%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $300
2nd-highest rate
Highmark Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Ft. Randall Federal Credit Union savings score
79
Savings score
Higher than 48% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.50%
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 Ft. Randall 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.
Money Market Savings
0.50%APY
Maximum contribution of $250.00 per month. Rates are based on qualifications, declared by the Board of Directors and subject to change.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMaximum contribution of $250.00 per month. Rates are based on qualifications.$2,500 and up | 0.50% | $50 | Maximum contribution of $250.00 per month. Rates are based on qualifications. |
Sources (1)
- ftrandallfcu.com/about/rates · captured Sep 19, 2026
Share Savings
0.50%APY
Maximum contribution of $250.00 per month. Declared January 28, 2025. Rates are based on qualifications; all rates shown are APY declared by the Board of Directors and subject to change. Key to membership and primary savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMaximum contribution of $250.00 per month. Declared January 28, 2025.$25 and up | 0.50% | $50 | Maximum contribution of $250.00 per month. Declared January 28, 2025. |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Share IRAs
1.00%APY
Maximum contribution of $250.00 per month. Declared January 28, 2025. Rates are based on qualifications; all rates shown are APY declared by the Board of Directors and subject to change.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMaximum contribution of $250.00 per month. Declared January 28, 2025.$25 and up | 1.00% | $100 | Maximum contribution of $250.00 per month. Declared January 28, 2025. |
Sources (1)
- ftrandallfcu.com/about/rates · captured Oct 22, 2026
Christmas Club Shares
0.75%APY
Maximum contribution of $250.00 per month. Declared January 28, 2025. Funds are automatically held until October payout. Rates are based on qualifications; all rates shown are APY declared by the Board of Directors and subject to change.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMaximum contribution of $250.00 per month. Declared January 28, 2025.Any balance | 0.75% | $75 | Maximum contribution of $250.00 per month. Declared January 28, 2025. |
Sources (1)
- ftrandallfcu.com/about/rates · captured Oct 22, 2026
Who can join Ft. Randall Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, volunteers, or attends school in Brule, Bon Homme, Charles Mix, Douglas, Gregory, or Hutchinson Counties in South Dakota is eligible for membership.
Family and household
- Immediate family members of current credit union members are eligible for membership, even if they do not live in the six-county service area.
Cost to join
- Joining requires opening a membership savings account with an unstated minimum deposit to establish ownership in the credit union.
Membership information collected October 4, 2026.