Credit union · NCUA insured
Gallup FCU Savings Rates
Top CarrotGallup FCU’s best savings rate is 1.50% APY on $10,000, with its Primary Savings Account. Rates checked October 22, 2026.
How Gallup FCU’s savings rates compare
Compared with banks and credit unions near Omaha, NE-IA, where Gallup FCU has the most branches. $10,000, best rate first.
This credit union’s best
Gallup FCU
1.50%APY
- Minimum
- $5
- Earns on $10,000 a year
- $150
Primary Savings Account
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
Gallup FCU savings score
88
Savings score
Higher than 83% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0001.50%
- $100,000 balance$100,0002.25%
- 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 Gallup FCU 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.
Primary Savings Account
1.50%APY
Open a regular-share savings account with a $5 minimum balance to establish Gallup FCU membership. No monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $3,000Rate applies to account balances below $3,000. | 0.75% | — | Rate applies to account balances below $3,000. |
| $3,000 – $10,000Rate applies to account balances from $3,000 to $9,999.99. | 1.25% | — | Rate applies to account balances from $3,000 to $9,999.99. |
| $10,000 – $25,000Rate applies to account balances from $10,000 to $24,999.99. | 1.50% | $150 | Rate applies to account balances from $10,000 to $24,999.99. |
| $25,000 – $100,000Rate applies to account balances from $25,000 to $99,999.99. | 2.00% | — | Rate applies to account balances from $25,000 to $99,999.99. |
| $100,000 and upRate applies to account balances of $100,000 and over. | 2.25% | — | Rate applies to account balances of $100,000 and over. |
Sources (3)
- gallupfcu.com/home.aspx
- gallupfcu.com/474338/savings-and-checking.aspx
- gallupfcu.com/474518/contact-us.aspx
All captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
1.50%APY
Traditional and Roth IRAs are available through subsidiary investment advisory firm Guide Rock Capital Management; credit union rate schedule applies to IRA share savings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $3,000Rate applies to account balances below $3,000. | 0.75% | — | Rate applies to account balances below $3,000. |
| $3,000 – $10,000Rate applies to account balances from $3,000 to $9,999.99. | 1.25% | — | Rate applies to account balances from $3,000 to $9,999.99. |
| $10,000 – $25,000Rate applies to account balances from $10,000 to $24,999.99. | 1.50% | $150 | Rate applies to account balances from $10,000 to $24,999.99. |
| $25,000 – $100,000Rate applies to account balances from $25,000 to $99,999.99. | 2.00% | — | Rate applies to account balances from $25,000 to $99,999.99. |
| $100,000 and upRate applies to account balances of $100,000 and over. | 2.25% | — | Rate applies to account balances of $100,000 and over. |
Sources (2)
All captured Sep 18, 2026
Closed to new customers
Secondary Savings Account
1.50%APY
Available for existing account holders. No minimum balance and no monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $3,000Rate applies to account balances below $3,000. | 0.75% | — | Rate applies to account balances below $3,000. |
| $3,000 – $10,000Rate applies to account balances from $3,000 to $9,999.99. | 1.25% | — | Rate applies to account balances from $3,000 to $9,999.99. |
| $10,000 – $25,000Rate applies to account balances from $10,000 to $24,999.99. | 1.50% | $150 | Rate applies to account balances from $10,000 to $24,999.99. |
| $25,000 – $100,000Rate applies to account balances from $25,000 to $99,999.99. | 2.00% | — | Rate applies to account balances from $25,000 to $99,999.99. |
| $100,000 and upRate applies to account balances of $100,000 and over. | 2.25% | — | Rate applies to account balances of $100,000 and over. |
Sources (2)
All captured Sep 18, 2026
Who can join Gallup FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.