Credit union · NCUA insured
Hello Credit Union Savings Rates
Hello Credit Union’s best savings rate is 0.15% APY on $10,000, with its Money Market Account. Rates checked October 17, 2026.
How Hello Credit Union’s savings rates compare
Compared with banks and credit unions near Panama City, FL, where Hello Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Hello Credit Union
0.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $50
Sunnyside Up! Savings
Top rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Hello Credit Union savings score
79
Savings score
Higher than 50% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.55%
- 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 Hello 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.
Sunnyside Up! Savings
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 5.00% | — |
| Over $500 | 0.50% | $50 |
Sources (1)
- hellocu.com/rates/deposit-rates · captured Oct 17, 2026
Money Market Account
0.15%APY
Minimum balance is $1,500. Limited to six withdrawals per month. Dividends earned are posted on the last day of each month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,500 and upBalance tier requires $1,500 minimum. | 0.15% | $15 | Balance tier requires $1,500 minimum. |
| $25,000 and upBalance tier requires $25,000 minimum. | 0.35% | — | Balance tier requires $25,000 minimum. |
| $100,000 and upBalance tier requires $100,000 minimum. | 0.55% | — | Balance tier requires $100,000 minimum. |
Sources (2)
All captured Oct 15, 2026
Main Share Savings Account
0.10%APY
Your Hello membership begins when you open a main share savings account. $5.00 minimum opening deposit. No minimum balance required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends earned are posted on the last day of each month.$5 and up | 0.10% | $10 | Dividends earned are posted on the last day of each month. |
Special-purpose accounts
Christmas Club Account / Happy Holiday Club
0.10%APY
No minimum balance required. Up to 6 free withdrawals per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends earned are posted monthly.Any balance | 0.10% | $10 | Dividends earned are posted monthly. |
Sources (2)
All captured Oct 17, 2026
Traditional / Roth IRA Savings
0.10%APY
Traditional and Roth IRA savings accounts.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- hellocu.com/rates/deposit-rates · captured Oct 17, 2026
Vacation Club Account
0.10%APY
No minimum balance required. Up to 6 free withdrawals per month. Dividends earned are posted monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends earned are posted monthly.Any balance | 0.10% | $10 | Dividends earned are posted monthly. |
Sources (2)
All captured Oct 17, 2026
Youth Savings
0.10%APY
Our Youth Savings Account is open to children ranging in age from newborns to 18. Child will be the primary owner of the account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Sources (2)
All captured Oct 17, 2026
Closed to new customers
Golden Opportunity Savings Account
0.12%APY
Golden Opportunity Savings Account no longer available.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.12% | $12 |
Who can join Hello Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live or work in Bay, Gulf, Jackson, Walton, Washington, Leon, Gadsden, or Wakulla County, Florida.
Employers and groups
- Membership is open to members of the Florida Agriculture Museum and the Friends of Florida State Forests, Inc.
- Membership is open to employees of select employer groups in Leon County, FL.
Military, government and schools
- Membership is open to employees or retirees of the Florida Department of Agriculture and Consumer Services (FDACS).
Family and household
- Membership is open to family members of current members.
Membership information collected October 5, 2026.