Credit union · NCUA insured
Greater Kinston Credit Union Savings Rates
Greater Kinston Credit Union’s best savings rate is 0.60% APY on $10,000, with its Money Market Share Account. Rates checked October 22, 2026.
How Greater Kinston Credit Union’s savings rates compare
Compared with banks and credit unions near Kinston, NC, where Greater Kinston Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Greater Kinston Credit Union
0.60%APY
- Minimum
- $250
- Earns on $10,000 a year
- $60
Money Market Share Account
Top rate
State Employees' Credit Union
2.20%APY
- Minimum
- $250
- Earns on $10,000 a year
- $220
2nd-highest rate
Self-Help Credit Union
2.12%APY
- Minimum
- —
- Earns on $10,000 a year
- $212
Greater Kinston Credit Union savings score
81
Savings score
Higher than 55% of U.S. banks and credit unions
- $1,000 balance$1,0000.60%
- $10,000 balance$10,0000.60%
- $100,000 balance$100,0000.60%
- QualifiedQualified0.60%
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 Greater Kinston 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 Share Account
0.60%APY
Dividends compounded daily and paid monthly. No checks can be written and no automated clearing house (ACH) debits are allowed on money market share accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upA $1 monthly maintenance fee is charged if account is below minimum balance at any time during statement period. Dividend rates and APY are variable and subject to change daily at the discretion of the Board of Directors.$250 and up | 0.60% | $60 | A $1 monthly maintenance fee is charged if account is below minimum balance at any time during statement period. Dividend rates and APY are variable and subject to change daily at the discretion of the Board of Directors. |
Sources (3)
- greaterkcu.org/products/money-market-share-account.html
- greaterkcu.org/rates/json/gkcuRates.json
- greaterkcu.org/rates/deposit-rates.html
All captured Sep 19, 2026
Share (Savings) Account
0.10%APY
Required to establish and maintain credit union membership. $5 one-time membership fee charged when initial share account is opened (FAT CAT and Zard memberships are exempt). Must maintain a $5 share to vote or take out a loan. No checks or ACH debits allowed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and up$5 opening deposit and minimum balance requirement. A $1 monthly maintenance fee is charged if account is below minimum balance on statement date. Dividends compounded daily and paid monthly.$5 and up | 0.10% | $10 | $5 opening deposit and minimum balance requirement. A $1 monthly maintenance fee is charged if account is below minimum balance on statement date. Dividends compounded daily and paid monthly. |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
1.87%APY
Roth, Traditional, and SEP IRA share savings accounts available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$25 minimum opening deposit and minimum balance requirement. $1 monthly maintenance fee is charged if account is below minimum balance on statement date. Dividends compounded daily and paid monthly.$25 and up | 1.87% | $187 | $25 minimum opening deposit and minimum balance requirement. $1 monthly maintenance fee is charged if account is below minimum balance on statement date. Dividends compounded daily and paid monthly. |
Sources (2)
All captured Sep 19, 2026
Non-Profit Money Market Share
0.60%APY
Dividend rates and APYs are variable and subject to change daily at the discretion of the Board of Directors.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upNon-Profit money market share accounts must maintain minimum balance at all times.$1,000 and up | 0.60% | $60 | Non-Profit money market share accounts must maintain minimum balance at all times. |
Sources (2)
All captured Sep 19, 2026
FAT CAT Share Account
0.10%APY
Designed for children up to age 12 who are eligible for membership. Must be joint with a parent, grandparent, or responsible adult existing member. Automatically converts to a Zard Share Account at age 13. Includes eligible complimentary $1,000 Group Term Life Insurance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends compounded daily and paid monthly. No withdrawals allowed until the account reaches the $25 minimum balance, which must be maintained while the account is open.$25 and up | 0.10% | $10 | Dividends compounded daily and paid monthly. No withdrawals allowed until the account reaches the $25 minimum balance, which must be maintained while the account is open. |
Sources (2)
All captured Sep 19, 2026
Holiday Cash Club Account
0.10%APY
Allows deposits through October. On the last business day in October, balance automatically transfers to specified Checking, CashPoints Global, Share, or Money Market Share account. No withdrawals allowed prior to transfer.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum deposit required to open. Dividends compounded daily, paid monthly. No service charges.Any balance | 0.10% | $10 | No minimum deposit required to open. Dividends compounded daily, paid monthly. No service charges. |
Sources (2)
All captured Sep 19, 2026
Zard Share (Savings)
0.10%APY
For members ages 13-19. Automatically converts to regular Share account at age 20. Includes Zard CashPoints card for ATM transactions. No checks or ACH debits allowed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and up$5 minimum opening deposit. $5 minimum balance must be maintained to avoid $1 monthly maintenance fee charged if below minimum balance on statement date. Dividends compounded daily and paid monthly.$5 and up | 0.10% | $10 | $5 minimum opening deposit. $5 minimum balance must be maintained to avoid $1 monthly maintenance fee charged if below minimum balance on statement date. Dividends compounded daily and paid monthly. |
Sources (2)
All captured Sep 19, 2026
Who can join Greater Kinston Credit Union
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