Credit union · NCUA insured
Government Employees FCU Savings Rates
Top CarrotGovernment Employees FCU’s best savings rate is 0.70% APY on $10,000, with its Money Market Savings Account-SWIS Account. Rates checked October 16, 2026.
How Government Employees FCU’s savings rates compare
Compared with banks and credit unions near Austin, TX, where Government Employees FCU has the most branches. $10,000, best rate first.
This credit union’s best
Government Employees FCU
0.70%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $70
Money Market Savings Account-SWIS Account
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
Nizari Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
Government Employees FCU savings score
81
Savings score
Higher than 54% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.70%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.70%
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 Government Employees 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.
Money Market Savings Account-SWIS Account
Up to 0.70%APY
Dividends compound and credit monthly. Dividends paid based on daily balance. Dividend rate may change monthly. No more than three drafts per month with a minimum of $500.00 per transaction. Minimum balance required to earn stated APY is $2,500.00. Minimum to open is $2,500.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $25,000 | 0.70% | $70 | |
| $2,500 – $25,000Under $25,000; balance required to earn stated APY is $2,500.00. | 0.05% | $5 | Under $25,000; balance required to earn stated APY is $2,500.00. |
| $25,000 – $75,000 | 0.10% | — | |
| $75,000 – $100,000 | 0.15% | — | |
| Over $100,000 | 0.20% | — |
Prime Share Savings
0.25%APY
Minimum balance of $5.00 required. $25.00 minimum balance required to earn stated APY. Dividends compounded daily and credited quarterly. Maximum 6 withdrawals/transfers per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000$25 minimum balance to receive stated APY. Compounded daily, credited quarterly. | 0.20% | — | $25 minimum balance to receive stated APY. Compounded daily, credited quarterly. |
| Up to $5,000For balances under $5,000. | 0.20% | — | For balances under $5,000. |
| $5,000 – $50,000Compounded daily, credited quarterly. | 0.25% | $25 | Compounded daily, credited quarterly. |
| Over $50,000Compounded daily, credited quarterly. | 0.30% | — | Compounded daily, credited quarterly. |
Sources (2)
All captured Sep 25, 2026
Special-purpose accounts
Holiday Club
0.30%APY
Minimum opening deposit $5.00. Required balance of $5.00. Full balance automatically transferred to Prime Share savings account in November. Early withdrawal closes the account until the following year.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,000$5 minimum balance to receive stated APY. Dividends paid quarterly. Early withdrawal closes account until following year. | 0.30% | $30 | $5 minimum balance to receive stated APY. Dividends paid quarterly. Early withdrawal closes account until following year. |
| Up to $15,000Dividends compound quarterly and credit quarterly. Early withdrawal closes account until following year. | 0.30% | $30 | Dividends compound quarterly and credit quarterly. Early withdrawal closes account until following year. |
| Over $15,000Dividends compound quarterly and credit quarterly. Early withdrawal closes account until following year. | 0.01% | — | Dividends compound quarterly and credit quarterly. Early withdrawal closes account until following year. |
Who can join Government Employees FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals who belong to one of the eligible groups listed on the Select Employee Groups (SEG) are eligible for membership.
Military, government and schools
- Government employees are eligible for membership.
Other ways
- Eligibility can be gained by making a $15 donation to the Austin Public Library through GEFCU.
Cost to join
- A $15 donation to the Austin Public Library through GEFCU is required to gain membership eligibility via that path.
- A $5 deposit into a share account is required to become a member.
Membership information collected October 5, 2026.